Homeowners Insurance

Dwelling, personal property, and liability for owner‑occupied homes.

Overview

Homeowners (HO‑3/HO‑5) protects the structure, personal property, and liability. Optional endorsements include water backup, equipment breakdown, service line, and increased special limits for valuables.

Key Features

  • Replacement Cost on dwelling (if eligible)
  • Water backup & service line options
  • Scheduled personal property
  • Ordinance or Law coverage

Eligibility & Required Documents

Eligibility

  • Owner‑occupied primary residences
  • Updated roofs & systems preferred

Documents

  • Prior insurance declarations
  • Year built, updates, square footage
  • Photos for underwriting (if requested)

Frequently Asked Questions

Do you cover short‑term rentals?

Short‑term rentals require specific endorsements or a landlord policy; we can advise on the best fit.