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Essential Home Insurance Coverages
and Endorsements

Our home insurance policies include:

Coverage in Practice and Importance
of Adequate Coverage

Dwelling Coverage Example

After a severe storm, your roof is significantly damaged. Dwelling coverage helps pay for the necessary repairs.

Liability Protection Scenario

A visitor slips and injures themselves on your icy driveway. Liability protection can cover their medical bills and protect you from potential lawsuits.

Consequences of Underinsurance

If a fire destroys your home, but your dwelling coverage is too low to cover the rebuilding costs, you’ll have to pay the difference out of pocket, potentially leading to significant financial strain.

Top Discounts Available on Auto Insurance

Bundling Discount

For combining your home insurance with other policies like auto insurance.

New Home Discount

If your home is newly built or recently renovated.

Security System Discount

For homes equipped with burglar alarms, smoke detectors, or other security systems.

Claims-Free Discount

Rewarding homeowners who haven’t filed a claim in a specific period.

Ensure your home is fully protected with the right insurance coverage.

Contact us today for a personalized home insurance quote!

Frequently Asked Questions
About Home Insurance

It typically covers the structure of your home, personal belongings, liability risks, and additional living expenses after a covered loss.

It protects your investment in your home and provides financial security against unexpected events.

Your coverage should be enough to rebuild your home at current construction costs and replace your belongings.

Market value is what your home would sell for, while replacement cost is what it would cost to rebuild your home with similar materials.

No, flood damage requires a separate flood insurance policy or endorsement.

Yes, discounts are available for bundling policies, installing security systems, being claim-free, etc.

It’s the amount you pay out of pocket before your insurance coverage kicks in.

Yes, under Additional Living Expenses coverage if your home is uninhabitable due to a covered loss.

Personal Property Coverage often extends to belongings outside the home, but check your policy for specifics.

It’s advisable to review your policy annually or after significant changes like renovations or major purchases.