We can protect the roof over your head and everything under it at competitive rates coupled with our excellent service!  Whether your need is to insure your home, condo, seasonal retreat, manufactured dwelling, or a renters policy, "Our Policy Is To Protect Yours". When it comes to protecting your home and belongings, you want more than a great rate. You want the security of knowing you have the right protection for your needs.

See how your current homeowners policy measures up to what we offer:

  • Lower rates
  • Multiple credits and discounts
  • Fast, fair claim service 24 hours a day
  • Program flexibility
  • High standard of service
  • And more…

Homeowners, as well as mortgage companies, want to protect the physical building (dwelling) and contents from catastrophic loss.  If you are renting, you will need to protect your possessions and provide protection against any harm that you may cause to the owner's property. In the case of investment property, all ownership will want to protect the dwelling, HVAC, and appliances from loss.

BASIC HOME / DWELLING POLICY DESCRIPTIONS

Each "Dwelling" policy shown below provides a combination of property and liability coverage for loss as a result of damage. Several basic types of Personal Property insurance policies available in most states including:

HO-1

  • Basic Homeowners policy
  • Covers your house and possessions against 11 different perils.
  • Not available in most states.

HO-2

  • Special Homeowners policy
  • Covers house and contents against 17 perils, with premiums running about 5 percent to 10 percent more than an HO-1 policy.

HO-3

  • Special Homeowners policy
  • Covers all perils except those specifically excluded by the policy.  Cost 10% to 15% more than an HO-1 policy.

HO-4

  • Renters policy.
  • Covers 17 named perils and includes liability coverage. It does not insure the dwelling itself.

HO-5

  • Extensive Homeowners policy.
  • Covers damage from practically everything from earthquakes, wars, and floods.

HO-6

  • For owners of co-ops and condominiums
  • Provides personal property coverage, liability coverage, and specific coverage of improvements to the owner's unit.  Insurance provided by the owner's association normally covers most of the actual structure.

HO-8

  • Policy for older homes.
  • Covers the same perils as an HO-1 but pays only for the repair costs or Actual Cash Value ("ACV"), since the replacement cost could make the policy costly.
  • Well suited for older homes whose market value is considerably less than the cost to rebuild them.

Every homeowners policy has three preliminary sections (declarations page, general agreement, and definitions) as well as two coverage sections (Coverage A, B, C, and D).

In the preliminary section, the "Declarations Page" contains the policy number, period of coverage, insured's name, agent's name, limits that apply to the coverage, additional insureds (if any), premium amount, etc..

The "General Agreement" works as a preface to the entire policy and states that the insurer's ability to pay the premiums and comply with the policys guidelines.

The "Definitions Section" contains multiple parts:

  • The first part explains the "you" and "your" in the policy refer to the named insured, while instances of "we", "us", and "our" refer to the insurance company. 
  • The second part lists and defines commonly used terms associated with the policy and the coverage.

The ISO policies perviously listed are standard except in Texas where the Texas Board of Insurance specifies  the following three types:

HO-A

  • Covers your dwelling and possessions against named perils only, and for Actual Cash Value ("ACV").

HO-B

  • Covers the dwelling for all perils unless excluded against all risks and contents against all named perils.
  • The dwelling is covered for Replacement Cost Value ("RCV") up to the policy limits, while the contents are covered for actual cash value unless you purchase additional coverage.

HO-C

  • Covers dwelling and contents against all risks not specifically excluded by the policy.
  • Again, the house is insured for Replacement Cost Value up to policy limits, while contents are covered for actual cash value unless you buy additional coverage.

There are variations on these policies as well. For example, landlords can buy coverage that insures only their buildings and not your personal property (which is what a Renters Policy would cover). You can get special policies to cover mobile homes and modular homes (a.k.a. manufactured housing). 

Additional coverage is also available on all the homeowners forms to expand the types of losses covered. Unless otherwise mentioned, all homeowners policies provide the option to include the following additional coverage:

  • foundation damage
  • septic/sewer overflow
  • debris removal
  • reasonable repairs
  • trees, shrubs, and other plants
  • fire department service charge
  • property removal
  • credit card, fund transfer card, forgery, and counterfeit money
  • identity theft
  • loss assessment
  • glass or safety glazing material
  • scheduled jewelry, furs, collections, and fine art
  • landlord's furnishings
  • collapse
  • building additions and alterations
  • ordinance or law coverage

Property insurance policies use "named perils" and "open perils" to describe covered causes of loss.

  • Named Perils deal with a specific list and can include fire, lightening, aircraft, explosion, hail, theft, vehicles, smoke, etc.. 
  • Open Perils cover property for all risks of physical loss that are not specifically excluded by the policy such as: falling objects, accidental overflow of water or a stream, weight of ice/snow/sleet, sudden crackling/burning/bulging, freezing, etc.