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Home – Coverage Options

Personalize your homeowner policy with the extra coverage you need. Check it out! Experienced and helpful agents are available to make quoting easy, provide information and advice, and get you every available discount. Availability and cost of coverage options vary depending on the insurance company selected and your state of residence.

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Replacement Cost

Home, other structures, and content losses are adjusted on a Replacement Cost (RC) basis.
New cost of construction or replacement without reduction for depreciation

Home Replacement

Up to an extra 50% of Dwelling Cov A limit if needed to fully reconstruct your home after a covered loss

Increased Limits

on certain personal property
like jewelry, guns, rare coins, and money.

Scheduled Property

for Special Personal Property
Extra coverage for items like jewelry, fine arts, collectibles, guns, camera equipment, silverware, and more.

Incidental Farming

Hobby farm coverages
Farm outbuildings and equipment, animal collision, and farm liability.

Identity Theft Recovery

For as little as $1/month premium.
Pays up to $25,000 for expenses incurred while restoring your identity. Help-line assistance and case management services are provided at no additional charge.

Water Backup Damage

from sewers, drains, and sump pump failures
Limit available up to $50,000

Home-Based Business

Low cost coverage for select in-home business
Cover your business personal property, stock and inventory at your premises, trade shows, and sales booth. Business liability on and off premises.

Home Day Cares

Liability coverage for up to 3 children
Other coverage available for larger day cares.

Other Options

  • Earthquake
  • Flood

Not all options available or listed. Please contact us to discuss your special needs.

Disclaimer: The coverage options and brief descriptions above are general in nature and do not fully explain the scope of coverage, limitations, or exclusions. You must read the coverage form in the insurance policy for complete information.