Dwelling Coverage – our homeowner policies offer all risk coverages on your dwelling.   All homeowners contain a coinsurance clause, which means your dwelling must be insured at replacement cost, not the market value.  We personally inspect all homes and provide you with a copy of the Boeckh residential building valuation system replacement cost figures.   Inflation guard and guaranteed replacement cost protection are just a few of the additional coverages that can be included. 

Other Structures –  provides coverage for your detached garage, sheds, fences, etc.  Usually 10% of your dwelling coverage.   Additional coverage can be purchased to properly insure all of the buildings on your property.  

Personal Property – our homeowner policies include replacement cost protection for your personal property.  This coverage is written at 75% of your dwelling coverage.   Certain items should be scheduled for an additional premium such as: jewelry, furs, fine arts, cameras, computers, guns, silver, stamp and coin collections. 

Loss of Use  - if your home or apartment is not livable due to a covered loss, this coverage provides the cost of any additional living expenses you incur.

Personal Liability   -  covers you and your family against legal liability for bodily injury and property damage to others arising out of personal activities both on and off your premises. 

Medical Payments to Others –  covers medical expense reimbursement to guests and residence employees when injured on your premises.  (does not apply to members of your household). 

Deductible -  the amount you are responsible in the event of a loss (not including liability losses).   Most companies base deductible is $250.  The higher your deductible, the lower your premium.