Homeowner Program


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.