Key Features of the Homeowner Program

• Broad and Special Home Coverage including: Jewelry, Collectibles, Guns
• Discounts available for new homes and auto packages.
• Deductible options with premium credit
• Comprehensive Personal Liability to $1,000,000

Property Coverage available for:

• Back up of sewer and sump pumps
• Identity Fraud Expense
• Barns/rural buildings
• Swimming pools
• Watercraft, campers, ATV’s and snowmobiles
• Seasonal properties, rentals, condos and homes under construction including builders risk collapse coverage and theft of building materials.

Optional Liability Coverage

• Recreational Vehicles
• Watercraft
• Incidental Businesses
• Home Based Businesses
• Horse Liability
• Additional Premises (rental and seasonal property)
• Personal Liability
• Household Employees

Umbrella Protection

An umbrella policy provides additional protection above your homeowners and auto liability limits and can include uninsured limits and can include uninsured and under-insured motorists coverage. Limits available to $2,000,000.