Homeowner's Policy 

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Make Sure Your Home Is Properly Protected 

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If Your Home And Personal Possessions Were Damaged Or Destroyed By A Fire Or Other Covered Peril...

Our Carrier's Homeowners Policy Could Be Your Answer.

You can get:
  • Building Structure Reimbursement Extended Limits Endorsement

    • For an additional premium, you can purchase this option, the insurance carrier will pay up to 120% of the appliccable limit indicated on your policy declarations to repair or replace your dwelling after a covered loss (subject to policy terms and conditions).
  • Your belongings are protected

    • The insurance carrier will settle covered losses to many of your personal property items based on the cost you incur to repair or replace them (Subject to applicable coverage limits and other policy terms and conditions).
  • You'll have Additional Living Expense Coverage

    • The insurance carrier will pay the reasonable increase in living expenses necessary to maintain your normal standard of living, for up to the amount of time specified in the policy, if a covered loss make your home uninhabitable (subject to poliy terms and coverage).

In Addition, The Homeowners Policy Also Includes These

Coverages:

  • Dwelling and Personal Property Protection

    • Protects you against loss to your dwelling from almost any peril to your personal property for a number of named perils. The perils listed are some examples. Please note that the coverages are subject to certain exclusions:
    • Fire
    • Lightning
    • Smoke
    • Falling Objects
    • Explosion
    • Hail
    • Windstorm
    • Damage by aircraft
    • Damage by vehicle
    • Water damage (from plumbing or heating systems (except sump pumps)
    • Water damage from rupture of steam or water heating systems
    • Riot, vandalism, malicious mischief
    • Weight of ice or snow
    • Theft on premises
    • Theft off premises
    • Holdup, pickpockets, burglary.
  • Additional Protection

    • The coverages listed here are subject to limits in the policy. Please read a policy for further detail:
    • Credit Cards and counterfeit money
    • Stolen and Forged Checks
    • Collapse of building
    • Trees, shrubs, plants and lawns
    • Emergency removal of property
  • Family Liability and Guest Medical Protection

    • Provides protection for your family against non-auto liability claims brought by others for accidental bodily injury or damage to their property. Also provides medical protection for guests injured on your premises, regardless of fault.
    • Bodily injury lawsuits
    • Property damage lawsuits
    • Liability defense costs
    • Guest medical protection
    • Damage to property of others
  • And These Other Features:
    • Increased Personal Property Coverage (75% of dwelling coverage)
    • Loss of contents of freezers or refrigerator units due to a power interruption off premises
    • Personal Computer coverage up to $5,000
    • Extension of liability for non-business rental of part of a premises
    • Additional insurance to comply with building codes after a policy limit loss

Homeowners Protection

The Policy Provides Broad Protection - You Can Even Individualize It With These Optional Features:
  • Increases Limit on Theft of Silverware Coverage ( not available in all states)
  • Extended Coverage on Jewelry, Watches, and Furs
  • Fire Department Charges (If you pay a regular monthly fee for service by a fire department, this coverage does not apply.)
  • Coverage for Additional Residences Rented To Others
  • Increased Coverage For Office, School, or Studio at Home
  • Increased Coverage for Electronic Data Processing Equipment

We May Be Able To Save You Money

Can You Qualify For These Discounts?
  • New House Discount

    • If your home is less than five years old, you may qualify for a discount on your base premium. You may also qualify if your house is nine years of age or less.
  • Protective Device Discount

    • If you have fire or burglar alarms which report directly to the appropriate fire or police station at central locations, you may qualify for a discount.
  • 55 and Retired Discount

    • If you are 55 years of age or older and retired * you may be eligible for a discount on your premium.
* Retired means not gainfully employed in excess of 24 hours per week or seeking such employment.


Gary Treadway

David Treadway


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