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Homeowners Insurance

Homeowners Policy (HO2, HO3, HO5 and HO8)


Homeowners policies are designed to fit the needs of an owner-occupant of a private residence. The Homeowners policy provides property and personal liability coverages for the Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments. These coverages protect against covered causes of loss such as fire, lightning, vandalism, windstorm and bodily injury or property damage to others.

Some of the optional coverages include:

  • Personal Property Replacement Cost

  • Limited Water and Sewer Back-up and Sump Discharge or Overflow

  • Limited Animal Liability

  • Utility Service Line

  • Scheduled Jewelry or Other Personal Property

  • Mechanical Breakdown

  • Personal Injury

  • Debris Removal

  • Loss Assessment

  • Higher Personal Liability limits

  • Ordinance or Law

Discounts available include:


  • Prior Insurance Discount

  • Claims Free Discount

  • Loyalty Discount

  • New Roof Discount

  • Burglar and Fire Alarm Discount

  • Sprinkler System Discount

  • Auto Companion Discount

  • Windstorm Protective Devices Discount

  • Fortified for Safer Living Discount

  • Occupants Over the Age of 65 Discount


Homeowners Policy
Homeowners Policy