HOMEOWNERS INSURANCE  (for new or old homes)

Basic Homeowners Insurance includes the following:


Dwelling: Pays for damage to your house and any outbuildings, such as detached garages and storage sheds.


Personal Property: Pays when household items, including furniture, clothing and appliances, are damaged, stolen, or destroyed.


Liability: Protects you against financial loss if you are found legally responsible for someone else’s injury or property damage.  A homeowners policy automatically provides $25,000 in coverage.  


You can buy up to $1 million in coverage for an extra premium.


Medical payments:  Pays medical bills for people hurt while on your property. It also pays for some injuries that happen away from your home, such as your dog biting someone.  


A basic homeowners policy pays $500 in medical bills.  You can pay extra and get up to $5,000 in medical payments coverage.


Loss of use: Pays living expenses if your home is too damaged to live in during repairs.  The most common policy pays up to 20% of the amount for which your house is insured.




In case of fire, lightning, aircraft & vehicles, vandalism, malicious mischief, theft, explosion, riot & civil commotion, smoke, windstorm, hurricane & hail, sudden and accidental water damage.