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Homeowners Insurance

Home owner

Homeowners and/or Renters Insurance provide peace of mind in feeling confident that in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings will be replaced.

Dwellings and other structures

Generally our home is the largest investment that each of us make. Homeowners insurance, also known as Hazard Insurance, provides coverage for damage to your house and other structures on your property, such as a shed or detached garage. This coverage typically covers most damage for Townhouses as well.

Personal Property

Homeowners, condominium, or renters insurance also provides coverage for your home’s contents and your personal belongings.

Personal Liability

If someone is injured on your property or you damage property that belongs to others, you could be held liable. A homeowner, condominium or renter policy provides liability coverage and personal property insurance should this ever happen.

Additional Umbrella coverage can provide further protection. Contact us to learn more.

FlexHome offers broadly competitive rates with the introduction of new products and advanced rating techniques.  Policies can even be designed to cover the growing number of people in assisted living care homes and families with children away at college.

FlexHome Value – If you are looking for a reduced premium without resorting to a substandard homeowners policy, FlexHome Value has a lot to offer.  This plan covers the replacement cost of your home; covers your belongings anywhere in the world; and provides coverage if, after a loss, you are required to upgrade your home to meet current building codes.

Policy discounts and credits are available! 

Home owner

Other options include:
Extended Replacement Cost
Replacement Cost
Personal Injury
Assisted Living Care
Student Away at School Coverage
Personal Security
High-value Items

 

Home owner

FlexHome Plus –

 

FlexHome Ultra – For the ultimate pace of mind, FlexHome Ultra offers you superior homeowners coverage.  It is designed to provide you with the extensive property protection you need for your home and belongings. 

This plan protects you with:
- Extended replacement cost coverage for your dwelling in the event of a total loss.
- Covering your belongings anywhere in the world
- Covering your belongings for their full replacement cost, not the depreciated actual cash value
- Providing far broader coverage for contents lost of damaged due to a covered loss
- Upgrading your home to meet building codes following a loss
- Covering theft, misplacement or loss of jewelry, firearms, furs and silverware
- Covering personal injury for a loss resulting from libel or slander. 

Policy discounts and credits are available! 

Other options include:
Assisted Living Care
Student Away at School Coverage
Personal Security
High-value Items
Reward Coverage
Fire Extinguishers
Increased Daycare Expense

 

FlexHome Condominium – FlexHome Condominium coverage tends to appeal to more price-conscious condo owners.  This coverage protects your assets by covering your belongings anywhere in the world and covering theft, misplacement or loss of jewelry, furs, firearms and silverware.

Additional options include:
Assisted Living Care
Student Away at School Coverage
Personal Security
High-value Items

 

FlexHome Condominium Ultra – FlexHome Condominium Ultra offers you superior homeowners coverage.  In addition to the protection of our standard FlexHome Condo coverage, our Ultra plan also protects you by offering the following:

Additional options include:
Assisted Living Care
Student Away at School Coverage
Personal Security
High-value Items

 

FlexHome Renters – Through FlexHome Renters we offer a full range of personal property and liability coverage to meet your needs as a renter.  Our policy covers your belongings anywhere in the world and they are covered for their actual cash value.  Optional coverage can be added to include replacement cost protection.

Policy discounts and credits are available! 

Other options include:
Assisted Living Care
Student Away at School Coverage
Personal Security
Replacement Cost for your Contents
Personal Injury
High-value Items

 

Equipment Breakdown Coverage – If you’re like most homeowners you may assume your home insurance policy, equipment warranties, and service contracts have you covered in the event that critical home equipment breaks down.  Chances are that your existing protection is not complete.

Warranties and service contracts may offer homeowners a sense of security but the protection they provide can be very limited.  Simple misuse, faulty installation or poor maintenance can cause a breakdown that’s surprisingly costly to repair or replace and isn’t covered by warranties or service contracts.

Warranties typically cover a product for defects in design or manufacture but not for human error in installation, operation or maintenance – all of which are common causes for breakdown.  Further warranties are limited in time and scope of coverage.

Service contracts, often sold by a contractor, typically apply only to a specific piece of equipment, excluding everything else. It’s very rare to find a homeowner with a service contract cover all of the important mechanical equipment in the household.

Your homeowners policy provides a broad spectrum of insurance, yet most homeowners policies do not cover mechanical, electrical, or heating equipment breakdown.

The great news is that now you can enhance your homeowners policy with a new coverage that is quite affordable.  Our equipment breakdown coverage can be easily included as a value-added feature to your current homeowner policy with us. 

Coverage for Key Equipment
Central air conditioning
Ventilation systems and fans
Boilers and water heaters
Furnaces, heat pumps, heaters, solar heaters
Deep well pumps
Backup generators
Chair lifts and elevators
Electrical power panels
Various types of motors and mechanical devices
Pool equipment
Central vacuum systems