HOMEOWNERS INSURANCE PROVIDES FINANCIAL PROTECTION FROM DISASTER. IT INSURES THE HOME ITSELF AND THE THINGS YOU KEEP IN IT.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered. There are exceptions, however, including damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
We will always strive to provide you with the coverage that best suits your unique situation.