Preferred Homeowner

Premier Insurance for Your Home

Our Preferred Homeowner program provides coverage for your new or completely renovated home, related private structures, personal property, additional living expenses, and personal liability.  Plus included coverage for replacement cost on personal property, inflation guard, lock replacement, tree removal, and refrigerated food products.  Optional coverage includes but are not limited to equipment breakdown, water back up, Identity fraud, Residence under construction and weight of ice and snow.

Coverage & Benefits

Residence – Comprehensive coverage for your home.
Related Private Structures – The 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 – Expenses 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 – Charges incurred due to fire departments called to protect your property.
Inflation Guard – Automatically increases your home limit to protect against increased building costs.
Lock Replacement – Replaces your locks if your keys are lost or stolen.
Replacement Cost Personal Property – Claim settlement for personal property on a replacement cost basis.
Refrigerated Property – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power.
Replacement Cost Dwelling – Claim settlement for the home at replacement cost up to the policy limit.
Tree Removal – For fallen trees due to wind.

Extended Replacement Cost – Additional protection for you home if underinsured after a total loss.
Extended Liability – Extended to additional property you occupy or rent to others.
Farm Land Rented to Others – For farmland you rent to others.
Identity Fraud Expense – Expense reimbursement for costs associated with identity fraud.
Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.
Modified Replacement Cost – Replacement coverage for partial losses when the home is insured for less than 80% of the replacement value.
Motorized Vehicles Used to Service Premises – Increased coverage over the automatic limit on the policy for items such as motorized lawn and garden equipment.
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.
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.
Water Back Up and Sump Discharge or Overflow – Water damage that backs up through your sewer, drains, or sump pump.
Weight of Ice, Snow, or Sleet – Loss to outbuildings due to collapse from the weight of ice, snow or sleet.

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


Coverage for the older but above-average home with complete updates to the structure including coverage for your residence, contents, and liability.

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.