We offer coverage you won't find in traditional Homeowner policies. We can also offer higher limits on a wide range of personal property, including securities, manuscripts, watercraft and trailers. Even your valuable stamp collection!
 
Extra property coverage
Your house and separate structures can be covered for a wide range of damage except for the common exclusions listed in your policy, such as wear and tear, earth movement, flood, nuclear hazard, and earthquakes. Please check with us for specific policy exclusions and limitations.
 
Personal Property

Your policy can cover your personal property, anywhere in the world!
 
Ask us about coverage for the following:

• Volcanic action
• Bulging, cracking, and burning of steam or hot water heating systems and water heaters
• Artificially generated electrical current (this does not include loss to tubes, transistors or similar electronic components)
• Freeing of plumbing, heating, air conditioning system, appliance
• Theft
• Vandalism
• Smoke, if sudden and accidental
• Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning system, or household appliance
• Fire or lightning
• Windstorm or hail
• Explosion
• Glass breakage
• Falling objects
• Collapse of building
• Vehicles
• Weight of ice, snow, or sleet
• Riot or civil commotion
• Aircraft

Additional coverages

• Loss of use

• Improvements, alterations and additions

• Personal property away from home
  
   
  Liability
   
  Your coverage pays for bodily injuries to other people or damage to their property if you are liable, resulting from:

• The use of your premises, including swimming pools. (Other residential property you use as a rental can also be added)
• The acts of your pets
• Unintentional acts committed by you or qualified family members, either on or off your premises
  All medical payments for other people injured in your premises, regardless of your liability, will be paid up to the limits you determine.
   
  Additional coverages
• Emergency first aid. 
• Damage to Property of Others.
   
  Expenses
• Your coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees

Get a Homeowners Quote!