For most of us, our home is the single largest investment we will ever make. Our homeowners policies are designed for those who are owner occupants, co-owner occupants, owners of dwellings under construction and seasonal dwellings.  Certain limits apply on condominium occupants and renters insurance. Each policy provides coverage for damage to your home and other structures on your property such as a shed or detached garage. On request, our agents can give you a quote on flood and earthquake insurance as well.

Special Form Replacement Cost Policy – For newer higher value homes with central heating and air conditioning and superior fire protection plus other structures, personal property, loss of use and liability.

Broad Form Replacement Cost Policy – For newer homes with superior heating systems plus other structures, personal property, loss of use and liability.

Broad Form Actual Cash Value Policy – For older homes of above standard construction with superior heating systems plus other structures, personal property, loss of use and liability.

Basic Form Actual Cash Value Policy – For older lower value homes which are in good condition and exhibit superior pride of ownership plus other structures, personal property, loss of use and liability.

Each policy package includes:

-  Dwelling
-  Other structures
-  Personal property
-  Additional living expense
-  Personal Liability
-  Medical Payments
-  Optional endorsements for expanded replacement costs, jewelry, artwork, guns, other scheduled personal property, etc.

Designed to provide coverage for rental properties, seasonal and farm dwellings, structures, equipment and products.

Preferred Replacement Cost Policy – For newer homes in excellent condition, exhibit excellent pride in ownership with superior heating, electrical and plumbing systems and fire protection plus other structures, personal property, loss of fair rental value and liability. 

Above Standard Actual Cash Value Policy – For older homes in excellent state of repair and exhibit above average pride of ownership with superior heating and modern electrical and plumbing systems plus other structures, personal property, loss of fair rental value and liability.

Standard Actual Cash Value Policy – For older homes which are in good condition and exhibit pride of ownership plus other structures, personal property, loss of fair rental value and liability.

Designed for owner and tenant occupied mobile homes.

Mobile Home Broad Form Actual Cash Value Policy – For mobile homes less than five years old with central duct heating system plus private structures, personal property, loss of use and liability.

Mobile Home Basic Form Actual Cash Value Policy - For mobile homes less than 10 years old with central duct heating system or baseboard electric heat plus private structures, personal property, loss of use and liability.

We offer several Farmowners Package Programs designed for working farms that produce significant income for their owners.

Farm Dwelling Broad Form Replacement Cost Policy – For newer higher value farm homes with superior heating systems plus other farm buildings, property and liability.

Farm Dwelling Standard Form Actual Cash Value Policy – For older lower value farm homes that are in good condition and approved non-central heating systems plus other farm buildings, property and liability.

Farm Dwelling Limit Form Actual Cash Value Policy – For lower value farm homes with non-preferred heating systems plus other farm buildings, property and liability.

Designed to serve the needs of smaller churches in both protected and rural areas.

Church Preferred Actual Cash Value Preferred Policy

Church Standard Actual Cash Value Preferred Policy