Our homeowners insurance provides the valuable protection you need when you purchase a home. In fact, it is a requirement from the lender when you get a mortgage. Standard homeowners insurance will provide coverage for damage to your home (and many of the items in your home) caused by:

-Theft
-Fire and lightning
-Smoke

Homeowners insurance also provides coverage for liability claims, medical payments to third parties, and legal costs if a lawsuit is brought against you. The most common amount of liability coverage included in a homeowners policy is $100,000, but you may need much more, depending on your circumstances.

What is not covered?

Most insurers exclude damages caused by an act of war, nuclear accident, flood, earthquake, and terrorism, although you may be able to purchase special policies or endorsements that will cover these events. Read your homeowners insurance policy to find out exactly what is and what is not covered before you suffer a loss.

Most howeowners insurance policies limit coverage for certain high-priced or hard to replace items. Additional endorsements may be necessary to protect items like engagement rings, watches, furs, antiques, and other valuables.

How much is enough?

As a mortgage lender, we will require that borrowers purchase a minimum amount of homeowners insurance (typically equal to the appraised value or the purchase price of your home).

Other Available Coverages

-automobile insurance
-renters insurance

Click here to get a Home Insurance Quote