No two homes are exactly alike. Different types of residences have very different types of insurance needs. Buying a policy "off the shelf" without fully considering your risks may cost you in the long run. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle.

Whether you own a house, a condominium or rent an apartment, for most people their home is their most important investment. A standard homeowners insurance policy includes four essential types of coverage.

What’s Included:


  1. Coverage for the structure of your home.
  2. Coverage for your personal belongings.
  3. Liability protection.
  4. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.


No one likes to think about their home and property being destroyed but spending some time to buy the right policy now will prevent a lot of heartache if it happens to you.

Our personal insurance advisors can help.

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