We understand there is no place like home. We pride ourselves in adapting homeowner and auto packages to protect your most expensive and personal investments. We provide a wide array of coverages for everything from starter homes to dream homes.

Homeowners Coverages
The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy.

The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood and earthquake damage is excluded and must be purchased separately.

Condominium Coverages
These policies can be designed to cover the property and liability of either a condominium association or a condominium unit owner. It is available in a Commercial Package Policy by use of specialized forms and under various company plans. Association structures and personal property, and a unit owner's personal property (contents), may be covered against named causes of loss or on a "risks of direct physical loss" basis subject to specified exclusions, under their respective policies. It is important that condominium declarations and by-laws be examined to determine if fixtures and improvements should be covered by the association or the unit owner. Coverage for loss assessment is of major importance for a unit owner, applicable to the insured's share of an assessment by the association for uninsured loss involving common property. Usually an option under a unit owner's policy, it covers the same causes of loss that apply to the insured's own property.

Mobile Home Coverages
Mobile Home Coverages provide package insurance for a mobile home risk comparable to that provided by a homeowners policy for a conventional dwelling, subject to some modifications. Since numerous familiar "contents" items can be permanently installed, built in or attached to the home and insured under dwelling coverage, the same items can be removed from personal property coverage and those limits reduced accordingly.

Farmowner-Ranchowner Coverages
Package policies can be designed to protect the policyholder against named perils and liabilities and usually covers homes and their contents, along with barns, stables and other structures.

Flood Insurance
Coverage for flood damage is available from the federal government under the National Flood Insurance Program but is sold by licensed insurance agents. Flood coverage is excluded under homeowners policies and many commercial property policies. However, flood damage is covered under the comprehensive portion of an auto insurance policy.

Earthquake Coverages
Covers a building and its contents, but includes a large percentage deductible on each. A special policy or endorsement exists because earthquakes are not covered by standard homeowners or most business policies.

Automobile Insurance
There are basically six different types of auto coverages. Some may be required by law. Others are optional. They include:

1. Bodily injury liability, for injuries the policyholder causes to someone else.
2. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car.
3. Property damage liability, for damage the policyholder causes to someone else’s property.
4. Collision, for damage to the policyholder’s car from a collision.
5. Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, riots, and theft).
6. Uninsured motorist's coverage, for costs resulting from an accident involving a driver who does not have insurance.

Boats & Watercraft
Watercraft insurance coverages go beyond the scope of a standard homeowners policy and can sometimes include Roadside Assistance, which covers towing of your boat or personal watercraft. You may also be offered Fuel Spill Liability and Wreckage Removal coverage. Without these watercraft insurance coverages, you may end up getting stuck with the bill for cleanups and removals. Personal Effects and Fishing Equipment coverages are also available in some policies.

Recreational Vehicles
RV insurance can protect your investment from top to bottom. With RV insurance, you can select all sorts of coverage, including Vacation Liability, Full Timer’s, Emergency Expense and more. Your RV insurance policy protects your traveling companions and your valuables when you’re on a trip.

Umbrella Coverage
If a claim exceeds the liability limit on one of the policies listed under the umbrella, then the umbrella provides the additional amount of liability protection needed up to the policy limit and may offer additional protection that you cannot get with a standard home or auto policy.