Losses can occur from a number of causes like fire and lightning. Your basic homeowners policy provides coverage for your physical structure and your personal belongings. It also provides coverage for other structures like a garage or shed.

Optional coverages that can be added to your homeowners policy are:

• Replacement Cost Coverage

• Scheduled Personal Property

• Water Back-up and Sump Overflow

Discounts and credits may also be available for:

• Multiple qualifying polices with the same company

• Protective devices such as fire or burglar alarms

• Credits for higher deductibles

• Updated utilities

• Condominiums - when the association requires the owner to only insure part of the structure such as from the stud wall in.
• Townhomes - when the association requires the owner to insure the exterior as well as the interior to the shared wall.
• Mobile home - coverage for mobile or manufactured homes
• Renters - insurance for personal property for someone renting a home, apartment, etc.
• Rental dwellings  - Tenant occupied up to 4 units in a building
•  Vacant/unoccupied dwellings - coverage for a dwelling that is not occupied

•  ATV/dirt bike - all-terrain motor vehicle or lightweight motorcycle designed for travel on rough uneven ground
• Campers/trailers - a nonautomotive vehicle or dwelling designed to be hauled by a truck
• Watercraft/jet skis - a motor vehicle designed for traveling on water
• Golf carts - a small motorized vehicle designed for use on a golf course
• Snowmobile - a motor vehicle designed for traveling on snow

Personal Umbrella - excess liability coverage

Farm Liability - coverage for potential damage caused by farm machinery or unpredictable actions of animals