When most people hear the word “insurance” they
think of their cars, but in many cases their farm is the most important
and expensive piece of property they own. Our agency offers comprehensive
Farm owners insurance policies to choose from and these
plans can be tailored to suit your individual needs and budget.
Our homeowner's policies automatically include
a full complement of standard features that cover your dwelling, personal
property and other structures. The policy also includes liability protection,
loss of use and medical payments to others coverage. You may take advantage
of higher deductibles, discounts and credits to reduce your insurance
premiums, and you can add endorsements to your policy to broaden the
protection limits even further.
Paying for smaller claims yourself
allows you to lower your Homeowners insurance premiums by choosing
a higher deductible. Our companies offer a choice of deductibles, including:
Discounts & Credits
- Multi-policy – By insuring your auto and home
with US, you will receive a discount on your auto premium as well
as your homeowners insurance premium.
- New Home – Receive a discount if you live
in a new home.
- Premises Alarm – This discount is applied
to your premium if you have smoke detectors installed in your home.
- Sprinkler System Credit – If you install and
maintain a sprinkler system, you will receive a credit on your homeowners
- Expanded Endorsement - You can increase the special amounts
listed under the Personal Property Coverage section of your
- Enhancement Endorsement – This endorsement increases the special amounts to even higher limits and includes these additional benefits:
- Payment for direct loss caused by water or sewage that backs up
through sewers or drains.
- Payment up to an additional 10 percent of the amount on Dwelling
Coverage for loss of trees, shrubs, plants and lawns on the residence
- Additional Endorsements – In addition, some
of the other available endorsements include:
- Earthquake Coverage
- Nurse’s Professional Liability
- Personal Computer Coverage
- Replacement Cost on Personal Property
If you would like a comprehensive review of our Homeowners
insurance program, please contact us.
Moisture and Your Home