Wherever home is, we’re here to protect it.
Whether you own a cottage or a condo, a historic property or a newly built mansion, there’s truly no place like home. Make sure this expensive investment is protected properly. Let us find the right homeowners insurance or condominium unit owners insurance policy for you.
Most standard homeowners insurance policies will provide coverage for your structure (as well as most personal belongings inside) for the following:
- Fire and lightning
- Windstorm (including hurricanes) and hail
- Theft
- Explosion
- Vandalism or malicious mischief
- Smoke
- Ordinance or law
Home insurance policies also provide liability and medical payments coverage.
There are limitations on jewelry, watches, furs, firearms, silverware and gold ware, fine arts, antiques and other items with intrinsic value. You can insure these items with an endorsement to your homeowners insurance policy or by purchasing a separate inland marine policy.
Exclusions
Homeowners insurance has specific exclusions for (but not limited to) flooding, water backup, power failure, neglect, war, nuclear hazard, power failure and intentional loss. There may be an endorsement or separate policy available to insure these items.
Let one of our knowledgeable Personal Lines Agents assist you in this process and help you determine the amount of coverage you truly need.