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Home and Property insurance guards a policyholder's physical residence and its contents against loss or damage from perils such as fire, theft, vandalism, hail and lightning. It also covers an individual's legal responsibility (liability) for any injuries people might suffer while on the covered property and will cover up to the replacement value of the home and its distinctive features.


A  homeowners insurance policy generally includes four types of coverage:

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Liability protection
  • Additional living expenses

Homeowners policies differ based on the level of coverage you would like, and whether you own your home, rent your home, or live in a condominium. Also, insurance companies offer a variety of pricing plans for each type of coverage.


The structure of your home


This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other perils listed in your policy. It will not pay for damage caused by a flood, earthquake, or routine wear and tear. However, earthquake coverage can be added to most homeowner policies by endorsement. Flood coverage can be added by purchasing a separate flood insurance policy.


Most standard policies also cover structures that are detached from your home such as a garage, tool shed or gazebo. Generally, the coverage for detached structures is based on a percentage of the coverage you carry on the primary structure.


Personal belongings


Furniture, clothes, sports equipment, and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured perils. Generally, the coverage for personal belongings is based on a percentage of the coverage you carry on the primary structure. Most policies also provide coverage for belongings away from you home, subject to policy limits and conditions.


Personal property endorsements can be added to the policy to insure particularly valuable items at their appraised value.


Liability protection


The liability section provides coverage for lawsuits for bodily injury or property damage that you, your family members, or pets cause to others, either on your property or elsewhere. Defense  costs and any court awards are covered up to the limits of your policy.


Generally, this section also provides medical coverage for anyone injured on your property.


Additional living expenses


This coverage pays for additional living expenses if you cannot occupy your home because of damage from an insured peril, subject to policy limits and conditions. Generally, the coverage for additional living expenses is based on a percentage of the coverage you carry on the primary structure.


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Home Inventory

If you have an insured homeowner loss, the claims adjuster is going to ask you for an organized record of your belongings. It is your responsibility to maintain that record.

We can offer guidance on taking photos or video to support your home inventory.

Please call if you have questions.