Individual & Family - Homeowners Insurance

For most people, their home is the single most valuable possession and largest investment. Homeowners insurance protects your investment as well as you, your family and your possessions. You take pride in your investment and we are here to ensure that it's well protected.
 

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WHAT PERILS ARE COVERED ON MY HOMEOWNERS POLICY?

• Fire or lightning

• Windstorm or hail (includes tornadoes)

• Explosions

• Riot or civil commotion

• Aircraft

• Vehicles

• Smoke

• Theft or vandalism (malicious mischief)

• Falling Objects

• Weight of snow, ice or sleet

• Freezing of plumbing, heating, air conditioning or other systems

           **Flood and Earthquake damage is NOT covered on a standard home policy

BASIC COMPONENTS OF HOMEOWNERS INSURANCE
1. Coverage for the physical structure of the home

• Coverage applies to the structure you inhabit including the dwelling, attached structures and permanently installed property. Will also cover detached structures such as tool sheds and garages.

• Trees, shrubbery and landscaping is generally covered.

• Pays to repair or rebuild your home in the event of damage or destruction caused by fire, hailstorms, lightning, tornadoes or other perils listed in your policy.

• When purchasing coverage for the physical structure of your home it is important to adequately cover your investment in the event of a disaster.

2. Coverage for the contents of the home

• Coverage for your personal belongings is extended worldwide.

• Covers your furniture, clothes and other personal items if they are stolen or destroyed by fire, storms or other insured disaster.

• High dollar items, such as fine arts, jewelry, furs, have limited coverage for theft. To insure these type of item at full appraisal value it is essential to endorse your policy with a special personal property floater. This would cover for "accidental disappearance" without a deductible.

3. Coverage for liability protection

• Covers you against lawsuits for bodily injury or property damage that you, a family member or your pet caused to other people.

• Pays for both the cost of defending you in court and any court award, up to the limit of your policy.

• Provides no-fault medical payments in the event someone is injured in your home.
  Coverage for liability protection is extended worldwide.

4. Temporary displacement costs in the event of a disaster

• Pays the additional costs that may incur as a result of a covered loss, which makes your home inhabitable.

• Covers hotel costs, meals and other living expenses up to a limited time.

• If you rent part of your home, coverage reimburses you for lost rent you would have collected from a tenant