Homeowners insurance

Agreed replacement cost: We cover the cost to replace your home to its original specifications and in compliance with today’s building codes, even when the cost exceeds your policy limit.

Replacement cash-out option: In the event of a total loss, you may decide not to rebuild and instead want to cash out. We will pay you up to the coverage limit for your home and personal property.

Temporary arrangements: In the event of a covered loss, we cover your increased living expenses necessary to maintain your household’s usual standard of living during the time necessary for you to permanently relocate or to return your home to a habitable condition.

Accidental breakage: Those delicate items around your home are beautiful but breakable. We offer special limits of up to $50,000 in case of damage to crystal, china, porcelains, figurines, statuary, sculptures, mirrors, wine bottles, glassware and similar items.

Equipment breakdown: We cover repair or replacement of damaged appliances or other household systems to ensure that you're quickly back up and running.

Identity theft assistance: To help properly safeguard your identity and reputation, we include identity theft assistance benefits.

Service line coverage: Repairing or replacing underground service lines can be costly, so we include service line coverage with your policy.

Specialized claims service: When the unexpected happens, our problem-solving claims experts work hard behind the scenes to quickly and thoroughly make things right, ensuring that claims are handled with the utmost care from start to finish and leaving you free to focus on meeting your next milestone.

Cyber security protection: We offer an innovative suite of coverages to help you and your family resolve issues due to cybercrimes.