Home Insurance

Are You Covered?
We can protect your home & auto and give you a special discount for insuring them both with the same company!

Household Inventory
Do you have an INVENTORY of your personal property?

When homeowners are victimized by a fire or theft, they are asked to make a list of all their household assets. Most fail to remember everything that has been destroyed or stolen.

Our office can provide you a free inventory form to help you create a list of your assets.

Some suggestions:

  • take a video of each room or still photos from several angles
  • update your photos and videos annually
  • add new purchases and recalculate values
  • keep your list away from home

Personal Liability
If a claim is made or a suit is brought against an insured for damages because of bodily injury or property damage caused by an occurrence to which coverage applies, your policy will:

  1. pay up to the limit of liability for damage the insured is legally liable
  2. provide defense costs to protect the limit of liability

Some common exclusions:

  • criminal acts
  • business activities
  • association memberships

Additional liability can be added to your home for boats, snowmobiles, recreational vehicles, and golf carts. This coverage must be requested and is not automatic.

Home-based Business
More and more people are starting home-based businesses. There are many advantages to running a business from the convenience of your home. Generally speaking, your homeowners policy offers very little (if any) coverage for losses incurred as a result of business activities on your home premises. Coverage for electronic equipment (computers, fax machines, phones, etc.) inventory, and tools used in the business is extremely limited or non-existent.

We have companies that will endorse your home-based business.

Fire Insurance
Your policy may not be what it was when your policy began. Rebuilding a home today is far more costly than it was 5 years ago. You may have gaps in your current policy. Review the list below. Check with your agent on all that may apply to you!

  • An addition has been put on the home
  • You operate a business from your home
  • You have a daycare in your home
  • Your basement or attic is finished