Homeowners

Your home may be your largest investment. The best way to protect it is through homeowners insurance. A homeowners (HO3) policy provides comprehensive property and liability coverage for homes that are owner-occupied. It provides insurance related to most risks, such as fire, lightning and theft. It also provides coverage for:

• The replacement value of your home and other structures
  
• Personal property
  
• The loss of use of your home until it can be reasonably repaired
  
• Personal liability coverage and medical payments to others.
  

There are additional coverage options available such as replacement cost on personal property, increased limits on jewelry and personal injury.

Serious accidents can happen at any time! All it takes is one mistake, or a seemingly negligent act, and suddenly you are involved in a major lawsuit. You may assume that your homeowners or automobile liability policies are enough to protect your assets. This is not always true. Personal umbrella insurance is the best way to protect you and your family and all that you have worked so hard to attain. An umbrella policy offers excess liability over your primary insurance limits. For example, if you carry $300,000 liability on your homeowners policy it would become $1.3 million with a $1 million umbrella policy. The policy offers: 

• $1 to $5 Million Limits
  
• Coverage for claims like libel, slander, defamation of character and invasion of privacy
  
• Helps cover defense costs, attorney fees and other charges associated with lawsuits.

Flood is the #1 natural disaster in America. Flood and excess flood policies offer you coverage for physical loss and damage caused by flood or rising water. A standard homeowners policy does not insure your home or belongings for the risk of flood. A separate flood policy is required.