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Your home may be your largest investment. The best way to protect it is through homeowners insurance.

A homeowners (HO3) policy provides comprehensive property and liability coverage for homes that are owner-occupied. It provides insurance related to most risks, such as fire, lightning and theft. It also provides coverage for:

  • The replacement value of your home and other structures,
  • Personal property,
  • The loss of use of your home until it can be reasonably repaired, and
  • Personal liability coverage and medical payments to others.

There are additional coverage options available such as replacement cost on personal property, increased limits on jewelry and personal injury.

Talk to a licensed insurance agent for advice on coverage selections based on your individual needs. The policy contract discloses all coverage limitations, exclusions and conditions that apply.