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We want you to be covered in every part, and at every stage of your life. That’s why we offer a complete line of insurance products. We’ll work closely with you to tailor a policy or group of policies to fit your needs, your goals, and your budget. In fact, you may be eligible for discounts when you combine other policies with your home insurance.

We’re also committed to making sure you understand your policy. We explain your coverage completely, and simply, so you know exactly what you’re getting and what it protects. It’s just another way we can help make your life less complicated.

exterior of home showing different items being covered by insurance
Scenario
Owning a second home can increase your liability exposures.
Solution
You will want to extend the liability coverage under your homeowner’s policy to include your secondary home. You may also want to consider including the secondary home under an excess liability or umbrella policy to provide for additional liability coverage.
Scenario
You have friends over for a pool party and one of your guests dives into the shallow end and is injured. They hire a lawyer and take you to court. You end up being financially responsible for their injuries. Do you have enough money to cover your legal costs in addition to the defense costs?
Solution
An umbrella policy increases your personal liability limits by providing additional protection over your current auto, boat, or homeowners’ policies. Excess liability insurance is available either by an endorsement to your homeowners’ policy or available as separate coverage.
Scenario
Fires are dangerous and destructive. If a fire destroyed your home, would you have adequate insurance to replace your home and everything inside? Take into consideration that inflation rates on building materials and construction costs can fluctuate which means rebuilding a home can often cost significantly more than expected.
Solution
Be sure to look for coverage that will account for replacement costs above the actual value of the home. Also, local ordinances and building codes will change over time which may tack on additional costs. Consult your agent to find out what is available for your home.
Scenario
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Solution
While your homeowner’s insurance policy will usually cover personal property, you want to make sure you will receive the full amount to replace items that are damaged.
Scenario
You do not have to live near a body of water to suffer loss due to flooding. With changing weather patterns and damaging storms, flood losses are becoming more common in locations that are not typically in a flood zone. Your homeowners’ policy does not cover flood damages.
Solution
Purchase a flood insurance policy to protect your home and covered contents from flood losses. A flood policy is a separate policy through the National Flood Insurance Program.
Scenario
A trampoline in the backyard is a lot of fun – but can come with some serious risks. These risks may not be covered under your standard homeowner’s insurance policy since coverage varies from state to state and between insurance companies.
Solution
You want to make sure the homeowners’ policy you have covers your trampoline. Many insurance providers do not take on trampoline liability and exclude the item from coverage.
Scenario
A storm barrels into your neighborhood, lightning strikes and a tree comes crashing down on your home. When there is substantial damage that prevents you and your family from being able to live in your home until it can be repaired or rebuilt, you also need to account for additional living expenses for lodging, food, and other daily needs.
Solution
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for housing and living expenses if a covered event makes your house temporarily uninhabitable while it is being repaired or rebuilt.
Scenario
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners’ policy may not cover your loss. Homeowner’s policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.
Solution
Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at the time of loss. Valuable possessions insurance can be added to your homeowners’ policy or may be written as a separate policy.
Scenario
If your wine collection is ruined due to outside environmental exposures, coverage from your homeowners’ policy is a possible remedy. You just need to make sure your wine collection is a covered cause of loss as outlined in your homeowners’ policy. A deductible would also apply.
Solution
If your wine collection is ruined due to outside environmental exposures, coverage from your homeowners’ policy is a possible remedy. You just need to make sure your wine collection is a covered cause of loss as outlined in your homeowners’ policy. A deductible would also apply.
Scenario
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Solution
Your homeowner’s policy includes personal liability coverage to respond to incidents when injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
Scenario
You want to know that many homeowners’ policies exclude coverage for water back-up damages due to a clogged drain, sewer, or sump pump.
Solution
Water Backup coverage can be added to your existing insurance policy. Consider adding it so you have enough coverage in the event of damages caused by a clogged drain, sewer, sump pump and any other related risks.
Scenario
Collector vehicles are a major investment and require specialized insurance coverage and claims handling.
Solution
Schedule your collectible vehicle on a separate collector care policy. By doing so, you are protecting the vehicle for either the appraised value or market value.
Scenario
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Solution
Turn to your homeowners’ policy for an option to include off-premises theft coverage as an addition, which covers you for theft of your personal property away from your residence.
Scenario
If one of your guests is injured while on your personal property, even if it happens during a friendly game of football, you may be required to pay any medical expenses associated with their injury.
Solution
Your homeowners’ policy should include medical expenses coverage to take care of injuries and treatment for an individual who is injured on your property. You can submit the injury related medical expenses to your insurance carrier. These types of medical expenses are usually paid without a liability claim being filed against you.

We can protect you against:

  • Fire and Lightning
  • Windstorm and Hail
  • Explosion
  • Riot and Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke Damage
  • Vandalism and Malicious Mischief
  • Theft On or Off Premises
  • Falling Objects
  • Weight of Ice or Snow
  • Accidental Overflow of Water from Plumbing
  • Accidental Electrical Damage to Appliances
  • Damage by Freezing

We can also include:

  • Personal Liability Coverage that protects you and your spouse, any relatives living with you, and anyone under age 21 in your care.
  • Protection against claims you’re legally obligated to pay – bodily injury, sickness, disease and death of others
  • Paying the cost of defending a claim against you
  • Damage to property of others
  • Medical expenses of others
  • Accidental death benefits

*Coverages subject to underwriting guidelines and approval and may not be available in all states.

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