Homeowners insurance includes coverages for your home, the contents, and liability.

Dwelling coverage pertains to your home, attached garage, porches, decking, satellite dishes, and detached buildings within policy limits.

Contents coverage includes personal effects, furniture, clothes, camera equipment, sporting equipment, entertainment equipment, maintenance equipment, and cooking/dining ware. There are coverage limits on certain valuable items.

Liability coverage will protect you from the costs of defending lawsuits, damage to other people’s property, medical expenses other than the insured, and personal liability from occurrences on and off your property.

homeowners policies cover these hazards subject to policy limits:

1. Lightening

2. Hail

3. Wind

4. Fire

5. Explosion

6. Falling objects

7. Vandalism

8. Smoke

9. Weight of snow/ice

10. Some types of water

11. Glass breakage

12. Out of control vehicles

13. Falling aircraft

14. Bulging heating/AC

15. Frozen plumbing

Full Value Contents:  If you experience a covered loss in which an item is destroyed or stolen, your policy will pay to replace the item up to the limits stated within the policy and less your selected deductible. The difference between replacement cost and the actual cash value can be considerable.

Guarantees and Discounts:

Home Replacement Guarantee:  Covers the full cost of repairing your home damaged in a covered incident even if the cost exceeds your policy limits, provided your home is insured for 100% of its replacement value.

Discounts For:  Burglar Alarms, Dead Bolts, Smoke Alarms, Fire Extinguishers, Newer Homes, Higher Deductibles.

Repair Guarantee:  Guarantees that repairs done to your home by an agreed-upon contractor will be done to your satisfaction.