You may get a premium quotation on line for all your Personal and Business insurance needs, such as: Auto, Homeowners, Renters, Condo Units, Individual Health, Group Health, Short Term Health, International Health, and Life Insurance - Businessowners Insurance, General Liability Insurance Workers Compensation Insurance for Offices, Retail and Wholesale Stores, Service Businesses, Manufacturers, Contractors and much more.

All Personal and Commercial Insurance Programs can be custom tailored to fit your individual and business specific needs.

Homeowners Insurance Coverages

What type of coverage do you need?

Property coverages can ensure that you can repair, rebuild or replace your home. There is peace-of-mind knowing that a property loss doesn't have to mean a financial loss, whether it's a dwelling, other structure or your own personal property. And you can get even more: Loss of use coverage pays for temporary housing, when needed. The Special Form policy covers a wide variety of perils; from fires to thefts, to ice dams. And there are extra coverages, for customers who own computers or high value jewelry, or for locations prone to Earthquakes. Personal liability (Coverage E) and medical payments (coverage F) to others coverage protects you, no matter where you are. These coverages pay medical expenses, bodily injury and/or property damages that may be awarded against you if you are legally responsible. Any necessary court costs are also covered. Most Insurance companies also offer condo and renter's insurance. See H04 and H06 below. Many of the terms used here are explained in the Glossary section.

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Common Homeowner's Insurance Policies

HO3 Policy
This is a "Special Form" policy that covers all perils except those specifically excluded by the policy:
 
Coverage A - Dwelling
Coverage B - Other Structures (10% of Coverage A)
Coverage C - Personal Property (50% of Coverage A)
Coverage D - Loss of Use (20% of Coverage A)
Coverage E - Personal Liability
Coverage F - Medical Payments
 
HO4 Policy (Renter's Insurance)
 
Covers Named Perils. It insures everything that an HO3 policy does except for buildings. Typical coverage amounts include:
Coverage C - Personal Property
Coverage D - Loss of Use (20% of Coverage C)
Coverage E - Personal Liability
Coverage F - Medical Payments
 
HO6 Policy (Condominium Insurance)
Unlike the HO4 policy, it insures the inner walls of the condominium or townhouse, and can also cover gaps in a condo association's coverage. Common coverage amounts include:
 
Coverage A - Dwelling (starts at $1,000)
Coverage C - Personal Property
Coverage D - Loss of Use (20% of Coverage C)
Coverage E - Personal Liability
Coverage F - Medical Payments
 
DF Policy If you own a home, but rent it to someone else, you may opt for a Dwelling Fire Policy. Because you are not the occupant, this does not include theft, liability, or medical coverage, unless you add it through your Insurance company. (See below). Common types of coverage include:
 
Coverage A - Dwelling
Coverage B - Other Structures (10% of Coverage A)
Coverage C - Personal Property
Coverage D - Fair Rental Value (10% of Coverage A)
Coverage E - Additional Living Expenses
 
Extra Coverages
The standard, Special Form policy will insure you against fire, lightning, wind, hail, snow, ice, explosion, smoke, theft, vandalism, falling objects and freezing pipes. But some homeowners and renters face the specific hazards of earthquakes or floods, while others may have valuable computer equipment, or expensive art or jewelry that is not covered by a standard policy. Most Insurance companies offer extra coverages, called endorsements. These allow you to be very specific about what property is insured and for what amount.