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What makes our Homeowner coverage better than the competition? The following coverage items are automatically included on our Homeowner policies.
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- "Open Perils" coverage for your personal property. This means that it covers losses from any
cause that is not specifically excluded. Most policies provide coverage only for those causes actually listed.
- Replacement Cost
coverage for your personal property, meaning that no reduction is made in your loss for depreciation...in other words, we replace old for new.
- Building Code, Law or Ordinance coverage
at NO additional cost to you. When your covered loss is made greater because of the building codes, laws or ordinances which apply in your area, you will be paid for the additional costs incurred, up to the limit of liability.
- Home Computer Coverage
for computers and software on a replacement cost, "open perils" basis, including electrical damage and power failure.
Optional coverages are also available:
- "Extended Limit" Homeowners Endorsement
- for homes that are eligible, we may add this endorsement which increases the limits that apply to the dwelling, other structures and loss of use by an additional 25% at the time of the loss.
- Home Business Endorsement
Our Homeowners policy can be endorsed to include many home-based businesses.
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 Identity Theft Restoration
services are available should you be victimized. Our program provides you with the expert help needed to restore you identity. A personal advocate will work with you one-on-one,
start-to-finish until your identity is re-established. Document Recovery Following a Disaster is also included at no additional cost. Our program
provides you with the expert help needed to restore your essential authenticating documents and financial records that are destroyed by any
devastating event such as a hurricane or fire. This includes, driver's license, social security card and birth or marriage certificate. Find out more.
Increased Limits for Specific Property - furs, jewelry, silverware, money, credit card, computers, and more --- the Homeowners policy has
limits for each of these types of personal property, but these limits can be increased. We even make it possible for you to insure certain items, such as fine arts, cameras, golf equipment,
and other property with specifically described values.
- Personal Excess Liability - Excess liability at a limit of up to $5,000,000 is available as an endorsement to the
Homeowners Policy. This Excess Liability coverage protects you when you are sued for a covered loss and the
amount exceeds the liability limits of your primary policies, such as Homeowners or Automobile.
- Special Coverage Enhancement Endorsement
This endorsement increases limits on jewelry and cash, includes sewer/septic backup and sump pump failure, and provides many additional coverages for you and your home.
- "Homeowners Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some of the coverage highlights in our Homeowner Program.
- "Home Business Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some of the coverage highlights of our Program. Homeowner and business coverage under one roof.
- "Personal Excess Liability Program" (PDF file)
This 8 1/2 x 11 printable version of our brochure illustrates some of the coverage highlights of our Personal
Excess Liability Program.
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