Homeowners Insurance

Why Buy Homeowners Insurance?

Your homeowners policy is a safety net that protects your home and furniture -- your assets. It follows you up the street and around the world. You're covered at your neighbor's home or in a foreign land.

Making A Deal
Higher is Lower. Reduce your premium by raising your deductible.

Piggybacking Policies. You can usually save money by buying your auto and homeowners policies from the same company.

Security Devices. Install a burglar alarm. Your discount will increase if the alarm rings at the police station.

Fire Protection. Use smoke detectors, build your home with fire-resistant materials, install a sprinkler system and buy fire
extinguishers.

Don't Smoke! Some companies give discounts for non-smoking households.
 

Selecting Insurance Coverage

Read your policy carefully. A standard homeowners policy covers:
 

  • Your home and most other structures on your property such as a tool shed.
  • Furniture and other belongings in your home if they are damaged or stolen.
  • Lodging, food and other expenses above normal living costs if a disaster forces you from your home.
  • Losses away from home. You're covered if, for example, thieves steal your suitcase from your car or hotel room.
  • Harm to others. You're protected if you, family members or pets injure someone else or damage someone else's belongings, on your property or anywhere else.


    • Not all perils are covered; some are not covered totally.  You may need extra insurance for:

  • Jewelry, antiques, furs, and other valuables.
  • Certain specific perils, such as earthquakes and floods.
  • Increased costs of construction to comply with more stringent building codes

    • Get A Quote
    NAME:                                                            PHONE:
    ADDRESS:

    E-MAIL:

    SMOKER:
    DATE OF BIRTH:

    CONSTRUCTION TYPE:

    TYPE OF RESIDENCE:

    Coverage Amounts

    Dwelling:
    ( if you are interested in apartment insurance then the minimum amount of coverage is $15,000)
    Liability:
    Deductible Amount:
    Mortgage Amount:
    Replacement Cost:
    (if you do not know the replacement value then please fill out the replacement cost estimator below)

    Number of Families:                                    Number of Units:
    Number of Stories:
    Occupied by:

    Alarm Information

    Burglar Alarm:

    Fire Alarm                Sprinklers:
    Smoke Detectors:                Dead bolts:                 Fire Extinguisher:

    Distance to Fire Hydrant in feet:

    Distance to Fire Station in miles:

    Modernized/Updated, please write in year:
    Roof:             Electrical:            Plumbing:                 Heat:

    Wood/Coal Stove on Premises:
    Central Air Conditioning:
    Any Business Conducted on Premises:
    Swimming Pool:
    Dog (Breed):
    Any Other Animals:

    Similar Insurance Canceled in the last 3 years (State reason):

    Any Losses in last 3 years:
    Type:
    Any unrepaired damage:

    Replacement Cost Estimator

    Square Footage of House:            Number of Bathrooms:
    Fireplace:                                    Square Footage of Basement:
    Attached or Detached garage:
    Square Footage of Porch:
    Open or Enclosed:
     

    Prior Premium Amount:

    Prior Carrier:
     


    AUTO HOME CLAIMS FAQ'S INFORMATION