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You want an innovative Home Insurance Policy? Try our HomeProtector Policy which includes 50 extra protection features. A house is not a home until you move in, and protect it with home owners insurance!

Our HomeProtector policies cover:

• Medical costs and related expenses of others.
• Attorney fees & related court costs for court suits.
• Coverage up to $2,500 for the loss due to theft, forgery, or unauthorized use of a credit card and unknowingly accepting counterfeit money.
• Payment up to the Personal Property Limit for loss to contents of a refrigerator or freezer on the residence premises from either power or mechanical failure.
• Reimbursement for fire extinguisher recharge (after a fire loss).
• Payment for replacement of automatic garage door transmitters which have been stolen. Also, coverage is provided for cost to reprogram the frequency on additional transmitters and/or the control box.
• Coverage up to $3,000 for theft of jewelry, watches, furs, precious and semi-precious stones. (Coverage for misplacing or losing jewelry, watches, furs, precious and semi-precious stones is included in Ultracover and Condocover Policies).
• Payment for all reasonable fire department service charges to save or protect insured property.
• Coverage up to $3,000 for theft of guns, (Coverage for misplacing or losing of guns is included in Ultracover and Condocover Policies).
• Coverage up to $3,000 for theft of silverware, silverplated ware, goldware, gold-plated ware and pewterware. (Coverage for misplacing or losing of silverware, silverplated ware, goldware, gold-plated ware and pewterware is included in Ultracover and Condocover Policies).
• Under the liability and medical payments protection, coverage for watercraft powered by one or more outboard motors with up to and including 75 total horsepower.