If something goes majorly wrong in or at your home, personal liability insurance makes sure that you are covered in the event legal action is taken against you. With this coverage, your assets are kept safe from the results of any litigation. Examples include a guest getting hurt, or someone’s personal property being seriously damaged.

When you own a property or home, you want to protect that investment against things that can go wrong. In the event your home experiences devastating weather -- say, a fire, a hailstorm or dangerously heavy snow build-up -- property insurance can keep you protected. In times of crisis, property insurance provides you security when your residence is damaged.

Regardless of if you rent or own, you will want to make sure your personal property is protected. We offer several limits of protection of your belongings and several forms of coverage to suit many different situations. We also can schedule valuable possessions like jewelry, fine art, firearms and other collectables.

Every home/property insurance policy is different. Property Insurance may insure your home from the following types of damage:

Fire and Lightning

Collisions from Vehicles or Aircraft

Hail

Wind

Sewer/Drain Backup

Windstorm

Vandalism

Smoke

Freezing Conditions or Snow

Dwelling coverage- Covers damage to your home’s physical structure.

Personal property coverage- Pays for damage to personal or household belongings, whether at home or away.

Personal liability coverage-Pays for legal fees, court-ordered payments or settlement amounts if you cause injury to someone or damage property

Roof Replacement or Actual Cash Value Coverage

Underground service line coverage- Maintaining underground service lines like water, waste, heating, cable and internet is a homeowner’s responsibility. This covers service line repairs.

Equipment breakdown coverage- Coverage for heating, cooling or ventilations systems after an accidental breakdown.

Identity theft insurance- Resources to keep your identity safe and professional services to help you recover your assets, rebuild your identity and get your life back on track if your identity is stolen.

Personal cyber insurance- Protection for your data, software and smart home systems as well as access to services that protect you from the financial impact of a cyber-attack.

Back up of sewers and drains coverage- Coverage if your sump pump fails or a sewer or drain backup causes a flood.

Home replacement cost coverage- Restore your home and everything inside it after a covered total loss.

Valuables, collectibles and jewelry insurance- Get compensated when high-value items are damaged or stolen.

Personal umbrella insurance- Covers settlement costs if you are sued for property damage, character defamation, libel and more.

Yes, our carriers provide coverage for both condos and mobile homes.

We offer both Dwelling Fire policy forms if you are a landlord who rents the property out. We also offer vacant dwelling policy forms in special circumstances like if the property is in an estate or in between sale. Some basic coverages may include:

Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants

Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury

Additional expenses to make up for lost income if your property needs repaired through loss of use

Our specialized markets can provide coverage for both. Our insurance agents are well-versed with farm coverage (we own a farm too!) as well as home-based business options. Some of the specific farm coverage areas include:

Crop Insurance

Farm Owners Insurance

Farm Livestock Insurance

Equine Insurance

Farm Equipment Insurance

Farm Dwelling Insurance

Farm Structures Insurance

Farm Auto Insurance

Farm Umbrella Insurance

Farm Liability Insurance

For small businesses out of your home, we can provide the special protection you need in one comprehensive policy. An In-Home Business coverage can include:

Professional Liability

Personal property used for business operations

Loss of income due to a covered event

Loss or damage to business records and inventory