homeowners

Home Guard Select:

Homes that are newer or have been renovated and have a newer roof, furnace and have been re-wired and/or re-plumbed in the entire house. These homes must be insured to within 80% of replacement cost at all times.  Replacement cost coverage is available on the Dwelling and Household Personal Property at no additional charge.


Home Guard:

Homes that are older and do not have replacement cost on the home.  Replacement cost coverage is available on the Household Personal Property for an additional charge.


Rented Dwellings:

This type of dwelling is offered for residences with up to four apartments in them. The houses are paid at an Actual Cash Value amount in the event of a covered loss.  Replacement cost coverage is NOT available on this type of risk.


Tenant Home Guard (Renters Insurance):

This is a policy that covers your personal property for those that are renting an apartment, home, or mobile home.  Replacement cost coverage is available at an additional charge.


Mobile Homes:

Mobile Home policies are available.  This type of policy does NOT offer replacement cost on the Mobile Home, but replacement cost coverage is available for Household Personal Property at an additional charge.


Other products available with Home Policies:

Sewer Backup of drains and sump pumps
Additional Other Structure Coverage
Identity Theft
Additional Replacement on Dwellings
Replacement coverage on personal property
Special Form coverage on personal property
Special Form coverage on personal property
Refrigerated Products coverage
Personal and Farm
Watercraft Liability
Recreational Vehicle Liability
Personal Injury Liability
Auto Policies
Umbrella coverage – through an agent
Deductible Options from 1,000 – 10,000

Inland Marine (special coverage’s available by endorsement):

ATV
Boat Hoists
Coins
Fine Arts
Golf Carts
Hearing Aids
Postage Stamps
Silverware
Tools & Equipment
Bicycles
Cameras
Computer Equip.
Fishing Equip.
Golf Equip.
Jewelry
Saddles
Snowmobiles
Wheelchairs
Boats
Cell Phone/Radio
Docks
Furs
Guns
Musical Instruments
Satellite Dishes