Products

HOMEOWNERS

This “package” form of insurance includes coverage for your owner-occupied home and related private structures on a replacement cost basis; personal belongings, and extra living expenses you might incur as a result of a covered loss. Many causes of loss are covered, such as fire, lightning, smoke, explosion, wind-storm or hail, weight of ice/snow/sleet, freezing, vandalism, theft, and sudden and accidental damage from electrical currents. Coverage amounts on your home and personal property automatically increase to keep pace with inflation. You also get the peace of mind that comes with knowing you have protection for personal liability claims and defense costs-so important in today’s society.

MOBILE HOME OWNERS

Mobile-Homeowners insurance furnishes coverage for your owner occupied mobile home, related private structures, personal belongings, and extra living expenses you might incur as a result of a covered loss. Covered causes of loss are similar to those shown above for Homeowners. Personal liability coverage is also provided.

DWELLING PROPERTIES

This is what people think of as “basic fire insurance.” It may be used to insure owner-or tenant-occupied dwellings (including mobile homes), related private structures, and personal property for causes of loss like fire or lightning, windstorm or hail, and vandalism. Liability coverage is optional.

FARM PROPERTIES

This type of “basic fire insurance” is designed to cover farm dwellings and household personal property, farm personal property (like livestock and equipment). Covered loss may include fire or lightning, windstorm or hail, and vandalism. Liability coverage is optional.

COMMERCIAL PROPERTIES

Commercial Properties is “basic fire insurance” for light commercial occupancies, with optional business liability coverage. Contact your local agent for details on eligibility.