Our competitive Homeowners products offer package programs that provide comprehensive coverage on the dwelling and other structures, named perils coverage on personal contents and comprehensive personal liability coverage.

Eligible Homes Include:

• Single family residences
• Multi-family residences (2 units maximum, owner occupied)
• Permanent residences
• Older Homes
• Replacement Cost from $75,000 to $750,000
• Prior Losses

In addition, our products offer an array of optional coverage’s to customize the policy to fit your specific needs.

Our Dwelling insurance provides coverage to a dwelling, its other structures and personal property. Coverage is provided against direct, sudden and accidental loss to the covered property.

Eligible Properties Include:

• Single family residences (owner or tenant occupied)
• Multi-Family residences (4 units maximum)
• Seasonal or Tenant occupied residences
• Older Homes
• Replacement Cost from $75,000 to $750,000
• Prior Losses

In addition, our products offer an array of optional coverage’s to customize the policy to fit your specific needs.

Our Mobile Home product is designed with flexibility and comprehensive coverage’s to meet the needs of the Mobile Home Owner whether in a mobile home park or on private property. Our preferred MHO3 program provides extensive coverage at a great price, coverage includes:

• “New for Old” Replacement cost on Mobile Home
• Extended replacement cost up to 120%
• Comprehensive Adjacent Structures
• Named Perils Personal Effects
• Comprehensive Personal Liability
• Medical Payments
• Inflation Guard
• Loss of Use

We also offer a variety of optional coverage’s to fit all your personal insurance needs:

• Personal Effects Replacement Cost Coverage
• Scheduled Personal Property
• Golf Cart Coverage
• Natural Disaster Protection
• Satellite System Coverage
• Flood Coverage

About 1 out of 4 flood losses occur in low to moderate flood risk areas, frequent and widespread floods in recent years have been devastating – many of the people most affected had no flood insurances…they thought they would never need it.

Our flood program is administered by American Bankers Insurance Company and is among the top servicing carriers of the National Flood Insurance Program.

Our flood service center offers a variety of processing options and our commitment to service includes:

• Ten day turnaround on flood applications, endorsements, and cancellations
• Direct bill renewals
• “Access Flood”, an internet flood rating and management tool
• Simplified flood insurance policy rollover program
• Flood zone determination service
• Marketing support to heighten public awareness
• Claims service that is second to none

Most people think about insurance for their car or home, but people that rent a Home, Condo, or Apartment own personal property that deserves protection also. Our Renters Insurance programs can protect personal items, provide for temporary housing and covers personal liability exposures.

Coverage Includes:

• Personal Property Replacement Cost from $5,000 to $125,000
• Loss of Use
• Comprehensive Personal Liability
• Worker’s Compensation – Occasional Worker’s

Discounts Available for:

• Secured Complex
• Central Station Alarm
• Claim Free

Convenient payment plans are also available!

Although a condominium’s fire insurance for the building is covered by an associations master policy, in the event of a covered loss a unit owners personal items, interior dwelling, temporary housing and personal liability protection still needs the right protection. Our Unit Owners programs provide the necessary coverage at an affordable price with convenient payment plans.

Eligible Occupancy:

• Owner Occupied
• Seasonal/Vacation
• Tenant Occupied

Coverage Includes:

• Personal Property Replacement Cost from $5,000 to $150,000
• Dwelling Coverage
• Loss of Use
• Comprehensive Personal Liability
• Worker’s Compensation – Occasional Worker’s

Discounts Available for:

• Secured Complex
• Central Station Alarm
• Claim Free

Vacant or Unoccupied Dwellings are unacceptable in a standard Homeowners or Dwelling Fire program, banks will still require basic fire insurance on vacant property even if the property is for sale. Our Vacant/Unoccupied Dwelling will provide the necessary protection. The program is underwritten by American Reliable Insurance Company.

Program features include:

• Admitted Program
• Program is an “Annual Term”
• Coverage for Other Structures is available
• Vandalism and Malicious Mischief coverage is included
• Personal Property is included to 10% of coverage A
• Premises Liability and Medical Payments coverage is available
• Convenient Payment Plans available (2 pay, 4 pay and 8 pay)