Homeowners insurance 2022

What is home or property insurance?
Most people simply can’t afford to rebuild their home and replace everything in it if there’s a disaster. A home insurance policy can protect your property, some of your personal possessions and you.

Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We’re proud to offer dependable home insurance policies. Get a homeowners quote online to start protecting your home, belongings and peace of mind.

Nationally, more than half of U.S. homes are underinsured.1
Make sure your home is insured to at least 100% of its estimated replacement cost.

With the right home insurance coverage, you’ll feel comfortable knowing that, in the event of a disaster, your property is protected.

No matter what type of home you own, personal property insurance is your responsibility. If you live in a condominium, remember that the condo association or cooperative won’t pay for damage caused inside your unit, even if it results from an incident outside of your control, such as a pipe bursting or an electrical filoss.

Get a homeowners insurance quote online
Caring for your home and loved ones is crucial. That’s why we offer homeowners insurance you can depend on. From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. Homeowners’ policies cover:

Dwelling – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc.)
Other structures – Coverage for sheds, detached garages and other structures not connected to the main dwelling itself
Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) on and off the premises
Loss of use – Coverage for when an insured has to move out of the home while repairs are made as a result of damage caused by a covered loss.

Home insurance can also be used as a means of financial protection. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.

We also offer insurance policies for owners of second homes and vacation homes. This way, you, your family and your guests are protected wherever you go.

Homeowners insurance and financial standing
If you own a home and have a mortgage, your lienholder (the bank who is invested in your loan) will likely require you to carry insurance on your home. We often partner with banks to allow members to combine their insurance payments and monthly mortgage bill. This is called escrow. Your agent will be happy to review the details with you.