You work hard for your most valued possessions. You deserve the best value for your insurance dollar. Your home is more than just where you live. It reflects your unique character, hard work and personal dreams. It's filled with memories, as well as treasures you want to protect.
Our coverage is specially designed to meet your unique needs for dwelling replacement, contents replacement, outbuildings and other structures, loss of use, personal liability, medical payments to others, credit card forgery and extended coverage for home computers, special treasures or higher coverage limits, if needed.
Features of our renter's policy include:
--Optional endorsement coverage for personal property covered on replacement cost basis (no deduction for depreciation).
--$1,000 coverage for loss of jewelry, watches, furs, precious and semi-precious stones by theft.***
--$3,000 coverage for computer hardware, software, personal or business.**
--$1,000 for business property on or away from premises.***
--$2,500 for loss of silverware, silver-plated ware, goldware, gold-plated war and pewterware by theft.**
--$2,500 for loss of guns by theft.**
--$1,000 coverage for watercraft, including trailers, furnishings and outboard motors.
--$1,000 coverage for trailers not associated with watercraft.
** This amount or up to 2% of personal property coverage limit, whichever is greater. *** This amount or 1% of personal property coverage limit, whichever is greater. All policies and coverages are subject to exclusions and conditions in the policy itself and any applicable endorsements
Smoke from Hostile Fire
Central Fire Alarm - 15%
Local Burglar Alarm -10%
Central Burglar Alarm - 15%
Gated Community - 5%
Automatic Interior Sprinkler System - 10%
Exterior Sprinkler - 5%
55+ Retirement - 5% & 65+ Retirement - 10%
Year of Construction - Varies (Homeowners Only)
Year of Roof - Varies (Homeowners Only)
Roof Material - Varies (Homeowners Only)
Year of Heating/Cooling - Varies (Homeowners Only)