Home Insurance Checklist

Personalized Coverage Assistant

We’ll walk you through what is covered by homeowners insurance to help you decide which options are right for you. Our homeowner’s insurance policy includes different types of coverage that offer you, your home and your belongings protection from unexpected events.

Structure of Your Home

Also known as dwelling coverage or Coverage A.

Your homeowners policy covers damages to the structure of your home from fire, windstorms, hail, lightning, theft and much more.

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Personal Belongings

Also known as personal property coverage or Coverage C.

From your personal computer to your furniture, our personal property coverage protects items inside and outside your home up to your selected coverage limits.

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Temporary Living Expenses

Also known as loss of use coverage or Coverage D.

If your home is uninhabitable as a result of a covered loss, this coverage helps pay for additional living expenses, like a hotel and food.

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Liability Protection

Also known as personal liability coverage or Coverage E.

If someone is accidentally injured on your property, our liability coverage can protect you from liability claims and lawsuits brought by others up to your policy limit.

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Optional Coverages You May Want To Consider

Here’s a small sampling of additional home insurance coverages you can add on to your policy for additional charge. For a complete list, connect with your agent and discuss the best protection options for your home.

Equipment Breakdown Coverage

Did you know that 18-24% of new appliances fail within the first year? This coverage can protect you from paying the expensive repair or replacement costs.

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Sump Pump Failure & Water Backup Coverage

This coverage is designed to mitigate the cost of repairs caused by water leaking into a home due to a backed-up drain or an overflowing sump.

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Service Line Coverage

Our service line coverage is a simple and affordable way to protect yourself from the high costs of service line failures like if a tree root grew through your sewer pipe on your property and it caused a leak.

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Identity Theft Protection

Protection from the high costs related to restoring your identity, you’ll have someone by your side every step of the recovery process to help make the process simpler, quicker and less expensive.

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Credit Theft Protection & Monitoring

Credit Theft Protection & Monitoring Credit monitoring from CyberScout is a comprehensive identity protection and management service that alerts you to changes with your credit, personal or financial information.

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Matching Siding Insurance

If you have undamaged siding coverage, this coverage will reimburse you for up to $20,000 of the costs for replacing the remaining undamaged siding so everything matches.

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We'll help you find the right policy and coverages.