Property & Dwelling Insurance
We offer a full line of dwelling & property policies:

Typical coverages on a dwelling/property policy are:

• a. Dwelling - The insurance amount must be at least 80% and should be 100% of the cost to replace the dwelling
• b. Other Structures - This includes other buildings on your property that are not attached to the main building such as a detached garage or storage building but could also be a fence or swimming pool.
• c. Contents - This includes furniture, appliances, clothing, rugs and lawn equipment that are not attached to but are contained in the building on your property. Does not include motorized vehicles except those used for maintaining the property.
• d. Loss of Use - This coverage pays for extra expenses after a direct loss, for instance the cost to rent a house during the time you cannot live in your house during a covered loss.
• e. Liability - This covers the cost of injuries or damages to non residents and non family members for which you are responsible.
• f. Medical Payments - Covers the cost of injuries to non residents and non family members regardless of liability.

There are various optional coverages, the most common are:

• Replacement cost guarantee on the dwelling
• Replace cost coverage on the contents
• Scheduled personal property
• Identity theft
• Water backup through sewers and drains