Homeowner’s Insurance

We know that there is more than one type of property that needs coverage. This is why we have multiple insurance options available to suit your specific needs. See below for types of dwellings covered, as well as discounts and additional coverage available.

This type of dwelling is a stand alone structure, designed for occupancy by single family unit.

This type of dwelling is a side-by-side, two family dwelling. Semi-detached dwellings are divided by a common wall, with each residence having a separate entrance.

Row housing is a series of dwellings built in a row, designed to accommodate several families in individual units. Row housing dwellings are divided by common walls, with each unit having a separate entrance.

Townhouses are a series of dwellings built in a row, designed to accommodate several families in individual units. These dwellings are divided by a parapet, with each unit having a separate entrance.

This type of dwelling is a prefabricated structure, built in a factory on a permanently attached chassis before being transported to site. Mobile homes are left permanently, or semi-permanently, in one place but can be moved if necessary. If this type of dwelling is skirted and used as a permanent home, they can often qualify for a Homeowners Insurance Package.

This type of dwelling is built in a factory and then taken to the building site and put in place on a foundation. When finished, modular or manufactured homes appear to be a site-built conventional dwelling

This type of dwelling is a stand alone structure with more than one self contained unit. Each of these units has a separate kitchen, bathroom and living area. Other common terms for type of dwelling include Duplex & Triplex.

A duplex is a two family dwelling with one on top of the other. Each of the units has a separate entrance, specifically designed and built this way.

A triplex is a three family dwelling with one on top of the other. Each of the units has a separate entrance, specifically designed and built this way.

For multi-family dwellings to qualify for a Homeowners Policy the owner(s) of the property must occupy at least one of the units.

An outbuilding is a structure on the insured property that is not attached to the dwelling and is not used in whole or in part for some commercial business activity. Examples of Outbuilding Types include: Garages, Workshops, Garden Sheds, Pool Sheds, Fences, and Gazebos

An additional living expense covers the additional costs of living that are incurred by the policy holder should the policy holder be temporarily displaced from their place of residence. This can include the loss of rental income in a multi-family dwelling.

Personal property coverage includes all personal property owned by the homeowner & his immediate family. There are limitations within most homeowners policy for damage or loss to personal property including, but not limited to, cash, securities, jewelry, furs, collectables, and watercraft. Further, business property that is kept at the dwelling will also have a limitation of coverage. This coverage can also be extended to students away at school.

Insurance will offer protection for claims made against you for damages to persons or property because of your negligence. This would include the cost of defending the law suit made against you.

A boarder is a non-related person who rents a room from, and is supplied meals by, the homeowners. Boarders usually share common areas of the dwelling including the kitchen, bathroom & living room. When hosting boarders, there is usually an additional charge for liability protection, and there may be an impact on the availability of certain insurance programs.

In-Law suites are designed as a self-contained apartment within the dwelling for the purpose of housing a senior parent. Most Homeowners policies will automatically extend coverage to the personal belonging of the parent and they should be named as an Additional Named Insured on the policy for purposes of liability coverage. The policy limits purchased should take into account the increased rebuilding cost to the dwelling & the value of the parents belongings.