Homeowners
(HO3)
Our homeowner insurance policy is designed to protect your home against perils like fire, theft, vandalism, and certain natural disasters.
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A homeowner insurance policy is designed to protect you from various risks. It typically protects the structure of your home against perils like fire, theft, vandalism, and certain natural disasters. Personal property coverage is usually included and covers some of the belongings inside your home.
Additionally, liability coverage protects against legal claims for injuries or property damage occurring on your property. Additional living expenses coverage helps with temporary living costs if your home becomes uninhabitable due to a covered event. It’s crucial to understand the coverage you purchase, and the specific policy’s terms, limits, and any exclusions to ensure you have adequate protection.
In the event your home becomes uninhabitable due to a covered loss and you need somewhere to live, additional living expenses cover the cost of temporary housing (a hotel, rental, AirBnB or other solution depending on your situation, up to the limits stated in your policy).
Coverage for claims for property damage or bodily injury for you when you as a homeowners are legally responsible for damage or injury.
Actual cash value or replacement value of your personal belongings, things such as clothing, furniture, jewelry, furs or family heirlooms.
Yes, we offer discounts for being loss free for more than 3 consecutive years, there are also discounts for customers who protect their property against water, fire, and theft loss with alarm systems. In addition, discounts may be available if your home has been recently renovated (HVAC, roofing, electrical systems, and/or plumbing).
Consult with an agent who can guide you through selecting the ideal coverage for your home.
We prioritize rapid response for claims to ensure you receive assistance as soon as possible.
Absolutely, Lilypad “Lotus” and “Lotus Plus” package endorsements offer the most commonly selected endorsements at a savings.
Work with your agent to find the solution the best meets your needs. Compare coverage options, pricing and discounts.
Coverage to upgrade your roof to a Fortified RoofTM, that’s an Insurance Institute for Business & Home Safety (IBHS) definition, and it’s only if we determine that the entire roof needs to be replaced due to a covered loss.
Coverage for increased costs of reconstruction, repair and demolition of property based on the local laws or ordinances governing those items. It’s usually stated as a maximum percentage of the Coverage A limit.
Increased coverage for covered loss assessments, you might be familiar with these if you live in a condo.
Coverage for loss resulting from water backing up through sewers or drains or overflowing from the sump.
Coverage for specified other structures.
Provides replacement cost rather than the actual cash value (which include depreciation).
Liability coverage for personal injury to others for offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry.
Coverage can be purchased for various specific types of property (antiques, art, jewelry, silverware, stamps, etc.).
Package endorsements offer a bundle of most commonly selected endorsements at the best price.
Coverage for expenses incurred as a direct result of identity fraud.
