Our homeowners product is evolving into a multi-tiered product that mirrors most of the other states in the nation. Our programs have something for everyone.

We have a "Basic" program for those who are cost conscience or are able to take on more risk themselves. Most people will benefit with a higher level of insurance than this program provides.

Our "Select" program includes the basic program plus dwelling replacement cost (up to 125% of value), personal property replacement cost (no depreciation), lock replacement and refrigerated products coverage. For some risks this program can be less expensive than the Basic program.

The next level of coverage is "Select Plus" and adds 3 major coverages and increases 18 existing coverages. The 3 additional coverages are 1) Water Back-up and Sump overflow, 2) Personal injury coverage which protects against person injury lawsuits, lawyer's fees, court costs and time off from work. 3) Identity Fraud which will reimburse for legal fees, document duplication...etc.

The most comprehensive level of coverage is "Select Premium" which increases the "Select Plus" coverage and limits. The highlight of additional coverage is a Waiver of Deductible for claims that exceed $50,000 and Special Risk property coverage which provides all risk coverage (except a few exceptions-wear & tear, corrossion, smog, freezing, & escape of polutants) for your personal property.

These programs as well as a comprehensive Umbrella endorsement that provides increased limits of liability coverage (in million dollar increments) which protects you and your family worldwide against lawsuits (including judgments, court costs, and defense costs) for most personal activities, including automobile operations.