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WHAT IS

Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Home Insurance

Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.

Fill out as much as you can. Your personal info is needed for a basic quote. However, deductibles, construction & risk characteristics, and additional coverages will may increase or decrease your premium.

Personal Info

EFFECTIVE DATE

Deductibles

Your deductible is the part of a covered loss that the insurer does not pay. Increasing your deductible amount generally reduces your premium, while still protecting you from larger losses. 1% is defined as a percentage of the dwelling coverage.

This deductible (the portion of a covered loss that the insurer does not pay) applies to damage caused by wind or hail. If shown as a percentage, this is defined as a percentage of the dwelling coverage. Increasing the deductible amount generally reduces your premium, while still protecting you from larger losses.

Construction & Risk Characteristics

A gable roof type has two sloping sides that come together at a ridge, creating end walls with a triangular extension. This is the most common type.

A flat roof type has no slopes and is level.

A hip roof is a type of roof where all sides slope downwards to the walls, usually with a fairly gentle slope. Thus a hipped roof house has no gables or other vertical sides to the roof

The Loss History is the number of individual losses (property and liability coverage combined) experienced for this address during the preceding three years.

A “local alarm” (burglary, smoke) when activated sets off a bell, siren/and or a strobe light outside your home. Authorities are not notified unless someone hears the alarm and calls the police. A “central alarm” is monitored by an alarm company 24/7; they then notify your policy department if it is activated. This may allow an additional discount to your premium.

Additional Coverages

This includes broken pipes, freezing pipes above the ground in the walls. This is water damage coming from the house itself not relating to weather

This includes broken pipes below the ground. It does not include cracking of the foundation due to time and natural means

This includes broken gas line or pipes below the ground from the house to the street

If you don’t have an assigned agent then leave this blank

IMPORTANT NOTICE

Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to Contact Us.