Home Insurance

A Homeowner policy insures your home, any structure attached to it such as a garage or porch, and any detached building on your property that is not used for business or rented to others.

This coverage also includes your personal property such as furniture, and clothing.  Although earthquake and flood are not included in a Homeowner policy, you must review and understand the perils that are covered in your policy; which means not only fire coverage, but also water damage, theft, or any other applicable perrils.

Your insurance most likely provides personal liability that provides payment for bodily injury or property damage to a third party that you or a member of your household could be legally responsible for, such as someone accidentally injured by falling in your premises, or your pool; or you accidentally injured someone when you were playing golf or you went hunting.

The medical portion of your coverage pays the medical expenses on behalf of someone who is injured on your property up to the policy limit.

Loss of use provides payment up to the policy limit for food and shelter if you have to move out due to the damage to your dwelling as a result of a covered loss. 

For more information or a quotation, please do not hesitate to contact us.