Homeowners Insurance

Coverage Highlights

 Dwelling Coverage 

The foundation of Homeowners insurance, we protect your house and any other buildings on your property from loss from dozens of causes.

 Recreational Motor Vehicles 

Coverage for physical damage and liability can be added to your Homeowners policy for ATVs, snowmobiles, and other small vehicles.

 Watercraft 

Coverage for physical damage and liability can be added to your Homeowners policy for boats or personal watercraft 26 feet or smaller.

Other features include…

Homeowners Discounts Available

• Central Station Fire/Burglar Alarm
• Experienced Homeowners (Age 50 and over)
• Increased Deductible
• Multi-policy Credit for Auto and Umbrella
• New Home
  

Other Members of Your Household

We will insure someone who lives with you and is a member of your household by adding this endorsement to the policy. No additional charge to add this coverage.

Waiver of Deductible Credit

You can reduce your deductible each year you do not file a claim with us.  After each claim free year we’ll apply a $75 deductible credit to your policy! The maximum total credit available is $750.

Select Homeowners policy types

Special Form (HO-3)
Contents Broad Form (HO-4): Coverage for tenants like apartment renters
Unit-Owners Form (HO-6): For condominium owners