Your home is your sanctuary and protecting it is the foundation on which homeowner insurance is offered. Determining the replacement value of your home can be challenging. The mortgage amount or sales price does not necessarily determine the cost it would take to rebuild your home.  Establishing an accurate replacement cost will allow you a “good night’s sleep” in knowing your home is properly protected.

The Homeowners policy contains
five separate coverages


Coverage that protects your home from fire, windstorm and many other perils. 


Coverage to protects sheds, garages, etc.

Personal Property

Coverage to protect your furnishings and personal items.  

Additional Living Expense

Provides extended coverage for the temporary relocation of your family in the event of a loss that makes your home uninhabitable.