HOME INSURANCE

 We offer several types of home insurance specific to your needs: mobile home, apartment/renters, flood, rental (owners), seasonal, and primary residence. Scroll down to learn more. 

Home insurance can be confusing. Is there a difference between replacement cost and actual cost value? What are the different coverage forms? Click the buttons below to find out.

 
Homeowner/Mobile Homeowner
Renter
Rental
Seasonal
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Flood Insurance
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Homeowners/Mobile Homeowner

Homeowners and Mobile Homeowners insurance is for owner occupied homes. This type of policy insures the house, other structures (ex. garages, small sheds, ect.), personal property (ex. TVs, furniture, clothes, lawn mowers, ect.), loss of use of the house (ex. cost of a hotel after a fire), and liability (ex. someone gets hurt while visiting you). Homeowner policies can be written in different coverage forms: basic, broad, or special. Homeowner policies are generally written on a replacement cost basis, but they might also be written on an actual cash value/depreciated basis.

Renters

Renters insurance can cover you whether you rent a house, mobile home, or apartment. It is insured on a tenant homeowner, and includes personal property (ex. TVs, furniture, clothes, lawn mowers, ect.), loss of use of the house (ex. cost of a hotel after a fire), and liability (ex. someone gets hurt while visiting you). Renters insurance might be written under one of several coverage forms: basic, broad, or special. Renters insurance is usually written on a replacement cost basis, but can be written on a basis of actual cash value. Full-time students that are still claimed dependents are covered under their parent/guardian's homeowner policy.

Rentals

Rental dwellings (those rented to others), whether 1 or 2 family dwellings, are often insured on dwelling policies. This type of policy includes the dwelling, other structures (ex. garages, small sheds, ect.),  loss of use of the house (ex. cost of a hotel after a fire), and liability (ex. someone gets hurt while visiting you). Personal property (ex. TVs, furniture, clothes, lawn mowers, ect.) is optional on this type of policy. These policies can be written in different coverage forms: basic, broad, or special. Rental policies can be written on a replacement cost basis or an actual cash value/depreciated basis.

Seasonal

Seasonal Dwelling Insurance is for a home occupied by the owner seasonally. This type of policy insures the house, other structures (ex. garages, small sheds, ect.), personal property (ex. TVs, furniture, clothes, lawn mowers, ect.), loss of use of the house (ex. cost of a hotel after a fire), and liability (ex. someone gets hurt while visiting you). A seasonal dwelling might be added to the owner's Homeowner policy, or written as a separate Seasonal Dwelling policy. Seasonal Dwelling policies can be written in different coverage forms: basic, broad, or special. Seasonal Dwelling policies are generally written on a replacement cost basis, but they might also be written on an actual cash value/depreciated basis.

Flood

A homeowner/mobile homeowner, renter, rental, or seasonal policy does not cover flood. Flood policies are written by individual companies, but are regulated by FEMA. A flood policy covers damage from water rising or overflowing from a body of water; this could be from a stream, creek, ditch, river, pond or lake. A flood policy does not cover backup of sewers or drains.

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