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Homeowner Policies

Complete coverage for your country home
OR your city home

We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings.

Basic Homeowner Coverages


Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.


Helps cover your personal property not attached to or built into your home, such as furniture and clothing.

Personal Liability

If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Medical Payments to Others

May help pay for medical or funeral expenses of someone who is injured on your property.

Ordinance or Law Insurance

May help pay to rebuild your home to current building codes after a covered loss.

Other Structures

Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

Loss of Use

Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Credit Card Coverage

Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.

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Optional Homeowner Coverages

Identity Theft

Helps keep personal data secure amid a growing number of risks and cybercrimes.

Valuables Plus®

Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.

Dwelling Replacement Cost

Can pay up to two times your dwelling coverage limit if your home needs to be rebuilt after a loss.

Water Backup

Provides coverage if water backs up through your sewer, drains or your sump pump overflows.

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