Homeowners Coverage
Your house is more than four walls and a roof. It's a symbol of your security and prosperity. And, it's probably your biggest investment.

	Sudden and accidental damage from electrical current
	Fire and lightning
	Windstorms and hail
	Explosions
	Smoke damage
	Freezing
	Theft
	Theft
	Glass breakage
	Falling objects
	Weight of ice, snow or sleet
	Accidental discharge of water or steam
	Vandalism and malicious mischief

Also, homeowners insurance doesn't apply only to those who own a single-family house. If you own a condominium, have combination dwellings, rent an apartment or if you have a second home, you can also buy insurance specifically designed for your circumstances.

Combination Dwellings
One policy provides both property and liability coverage for dwellings not eligible for a homeowners policy. All coverage options track with the homeowners policy, making it easier to use individually or in combination with homeowners coverage.

Condominiums/Rental Properties
If you rent an apartment or own a condominium, you need insurance to protect your belongings. While your landlord or condo association might have insurance, it only protects the building. Your belongings are not covered under those policies. There are several types of residential insurance policies. The HO-4 policy is designed for renters, while the HO-6 policy is for condo owners. They both cover losses to your personal property

Additional Homeowners Insurance
Scheduled Items such as jewelry, furs, silver, collectibles and other valuables need to be insured separately (scheduled) to make sure that in the case of a loss you can recover their stated value. Your items are assessed when you begin the policy and the value obtained written into the policy.

Ask Us About Homeowners Discounts
Security or fire alarm discounts, sprinkler system discounts and home/auto discounts

Personal Umbrella Coverage
A personal umbrella policy, protects against a loss due to catastrophic lawsuits. It offers additional protection above and beyond your standard homeowners and auto policy limits and helps eliminate any gaps in your liability coverage.

A personal umbrella policy protects you, your spouse and all other relatives living in your household for up to $1 million. With Personal Umbrella, you are safeguarding your possessions, your savings, and your future earnings.

	Protection over and above your basic liability policies for homeowners, automobile, boat owners, renters, or motor homes.
	Personal injury coverage - you will be protected if suits are brought against you for libel, slander, humiliation, false arrest, false imprisonment, defamation of character, wrongful eviction, wrongful detention, malicious prosecution or invasion of privacy.
	Any additional defense costs not covered under your other liability policies.

Motorcycle Insurance
Like an automobile, a motorcycle is a motor vehicle designed for on road use. Consequently the policies offered are similar including required coverages to protect people and property and many specialized coverages for a variety of needs.

Boat Insurance

Boat insurance provides physical damage coverage with a deductible to repair your boat if it's accidentally damaged or destroyed by a covered peril such as collision, fire, theft, windstorm, lightning or vandalism.

This coverage is broad, and provides coverage for the boat, including its machinery and auxiliary equipment, outboard motors, boat trailer and personal property.

Also available is coverage for: Personal Effects, Boat Liability, Medical Payments and Commercial Towing and Assistance.

Recreational Vehicle Coverages
RV Insurance offers many different types of coverages. Following are some of the coverages descriptions.

Bodily Injury: RV bodily injury liability insurance covers your legal liability for the injury or death that you, or any permitted user, may cause with your RV.

Property Liability: RV property damage insurance covers the legal property damage liability for damage to property of others that you, or any permitted user, cause with your RV. The RV property damage coverage dollar amount shown in your coverage declaration page is the maximum amount the insurer will pay for all property damage in any one accident.