Custom Designed Insurance for Your Home

Our Homeowner program is for all homes that have above-average care and condition, related private structures, personal property, additional living expenses, and personal liability. Optional coverage includes but are not limited to replacement cost on personal property, equipment breakdown, inflation guard, replacement cost on personal property, lock replacement and tree removal, and water back up.

Coverage & Benefits

Residence – Comprehensive coverage for your home.
Related Private Structures – Covers detached structures on the insured premises.
Personal Property – Protection for your personal belongings.
Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.

Additional Living Expense – Provides for expenses that you incur if you cannot live in your home after a covered loss.
Equipment Breakdown  Coverage for your home appliances and equipment due to mechanical failure.
Fire Department Service Charge – Pays for charges incurred due to fire departments called to protect your property.
Refrigerated Property – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power.
Replacement Cost Terms – Claim settlement for the home at replacement cost up to the policy limit if the residence is insured for at least 80% of the cost to replace the residence. (Included for Special Perils)

Additional Residence– Liability coverage is extended to additional property you occupy or rent to others.
Farm Land Rented to Others – Liability coverage for farm land you rent to others.
Identity Fraud Expense – Expense reimbursement for costs associated with identity fraud.
Inflation Guard – Automatically increases your residence limit to protect against increased building costs
Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.

Lock Replacement – Replaces your locks if your keys are lost or stolen.
Modified Replacement Cost – Provides replacement coverage for partial losses when the home is insured for less than 80% of the replacement value.
Motorized Vehicles– Increased coverage over the automatic limit on the policy for items such as motorized lawn and garden equipment used to service the premises.
Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
Recreational Vehicle – Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles.
Replacement Cost on Personal Property – Claim settlement for personal property on a replacement cost basis.
Residence under Construction – Collapse and Theft – Theft and collapse coverage while your new home is being built.
Trampoline Liability – For trampolines that include a safety net.

Tree Removal – For fallen trees due to wind.
Water Back Up and Sump Discharge or Overflow – For water damage that backs up through your sewer, drains, or sump pump.

New Home – Under 20 years of age.
Mortgage Free – Property without a mortgage or lienholder.
Senior Citizen – 55 years of age and over.

Additional Products

Preferred Homeowner
Preferred Homeowner

Coverage for the newer and above-average homes that are in excellent condition including coverage for your residence, contents, and liability.

Inland Marine
Inland Marine

Additional coverage for select items to be insured outside of the basic property.


Extra liability protection in addition to your homeowners, automobile, and other personal liability policies. Includes coverage for defense expenses for a liability claim that may or may not result in legal action.