Homeowners Insurance

After a covered loss your home can be repaired or rebuilt to its original condition-even if the cost exceeds your policy limit.  Upgrades necessary due to modern building codes would also be included.

In the event of a covered total loss, if you decide not to rebuild, or want to rebuild at another location, the cash settlement offers that option, up to the policy limit.

With inflation increasing constantly, it’s good to know your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy.  

If a sewer backs up and causes your drains or toilets to overflow, this pays to clean it up and replace or rebuild the damaged property, up to the limit on your policy.

If a covered service line breaks or leaks (water pipes, power lines, cables, and even the main sewer line that runs from your home to the street), service line coverage may cover the cost of repairing or replacing the line, excavation work, and any landscaping that gets damaged during the repair process, up to the limits on your policy.

When enrolled, Wildfire Defense Services bring valuable protection before, during and after a wildfire.  This includes deploying certified fire professionals to your home if a wildfire is threatening your area.

Jewelry, furs, silverware, guns, collections, cash, and business property are limited under a homeowner policy.  These limits can be increased for additional premium.

Flood and earthquake are not covered in a homeowner policy unless you add it specifically.  Let us know if you’re interested in addressing some of the most common natural disasters.

Our excess liability/umbrella insurance provides additional security.  Primary insurance policies don’t always have enough coverage to fully address the risk.