Homeowners Insurance Basics  

We recognize the importance of obtaining
the correct coverage at a price you can afford
Extended Dwelling - Pays the full cost for covered losses to repair or replace the eligible real property damaged or destroyed using materials of like kind and quality up to 125% or 150% of coverage A.
Replacement Cost on Contents - Pays for covered losses up to the amount of insurance purchased for the full cost to repair or replace the eligible personal property lost, stolen, damaged or destroyed using materials of like kind and quality.
Special Personal Property Coverage - Insurance protection is provided for all direct physical loss to property (contents) other than a loss excluded under the policy.
Backup of Sewer/Drain/Sump-Pump - Pays for direct physical loss, not caused by the negligence of an "insured", to property covered under Section I caused by water or waterborne material which backs up through sewers or drains; or overflows or is discharged from a sump, sump pump, or related equipment.
Ordinance or Law - loss caused by the enforcement of an ordinance or law is a peril - a cause of property loss. Such laws regulate the construction, repair, demolition or zoning of buildings (real property). Often, government officials update the requirements in the building codes that all contractors must follow when either constructing a new house or rebuilding an existing home damaged by fire, wind or some other peril. Not all property insurance policies cover this type of loss. Platinum is a cut above and automatically includes this protection without any additional premium charge.
Equipment Breakdown - Important home systems and property are protected from losses caused by accidental mechanical or electrical breakdown. Examples include appliances, heating and cooling systems, swimming pool mechanical equipment, water heaters, well pumps, home security systems, electrical systems, personal computers and home electronics.

Quote Request

Home Insurance Quote Request

Earthquake Coverage - We have a customizable Earthquake Policy to protect your home.  Only pay for the coverage you want.  Deductibles as low as 2.5%.  Escrow billing available.

Renters Insurance - Did you know?  Renter's Insurance covers your property in your vehicle?

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.