Home Insurance

When most people hear the word “insurance” they think of their cars, but, in many cases, a house is the most important and expensive piece of property owned. Our agency offers a variety of comprehensive home insurance policies to choose from, and these plans can be tailored to suit your individual needs and budget.

Our home insurance policies automatically include a full complement of standard features that cover your dwelling, personal property and other structures. These policies also include liability protection, coverage for loss of use, and medical payments to others. You may take advantage of higher deductibles, discounts and credits to reduce your insurance premium, and you can add endorsements to your policy to broaden the protection limits even further.

Deductible

Choosing a higher deductible and paying for smaller claims out-of-pocket allows you to lower your homeowners insurance premium.  

Discounts & Credits

  • Multi-Policy – By insuring your home and auto with us, you will receive a discount on your auto premium as well as your homeowners insurance premium.
  • New Home – Receive a discount if you live in a new home.
  • Premises Alarm – This discount is applied to your premium if you have smoke detectors installed in your home.
  • Sprinkler-System Credit – If you install and maintain a sprinkler system, you will receive a credit on your homeowners premium.

Endorsements

We also offer a variety of optional coverages to meet your individual needs, and these can be added to your homeowners policy by endorsement for a minimal additional premium:

  • Sewer & Drain Backup
  • Earthquake Coverage
  • Identity Theft Coverage
  • Jewelry Coverage
  • Fine Arts & Collectibles
  • Guns & Firearms

If you are interested in obtaining more information or a quote, contact us.