Homeowners Insurance

Insurance Associates offers flexible, affordable options that allow you to design the coverage that best meets your unique needs. For example, you may select individualized protection for you home and property against many common causes of loss such as:

  • Fire or lightening
  • Windstorm and hail
  • Smoke damage
  • Vandalism and malicious mischief
  • Glass breakage
  • Theft
  • Falling objects
  • Weight of snow or sleet
  • Water damage from rupture or overflow of a household appliance, plumbing, heating or cooling system
  • Freezing (water pipes, etc.)
  • Damage from electrical currents
  • Damage caused by vehicles or aircraft

Ask Insurance Associates to evaluate your home insurance needs and recommend a plan that's right for you!

Liability Protection

An important part of your homeowners policy is liability protection. If someone makes a claim of injury or property damage against you or your family, everything you own could be in jeopardy. Your homeowners policy protects you in situations such as:

  • Claims for injury to others on or off the premises
  • Claims for property damage to others
  • Liability defense costs
  • Medical expenses for injuries to others

A Custom Fit

You may need extra protection for special needs beyond the coverage of your homeowners policy. For example, you can increase your policy's standard coverage limits for the following:

  • Credit card and depositor's forgery
  • Personal property
  • Fine art
  • Jewelry, watches, furs
  • Money and securities
  • Fine silver
  • Guns

You can also choose from these optional coverages and extend you protection:

  • Dwelling replacement costs for your home
  • Full replacement for your personal property
  • Earthquake
  • Additional protection for high-value items such as jewelry, fine silver, sporting goods, antiques, collections, ect.

Other Advantages

Great extras No matter what homeowners policy options you choose, these important extras are yours automatically, at no extra cost:

  • Additional living expense when an insured loss makes your home uninhabitable
  • Debris removal after a covered insured loss
  • Reasonable repair costs for necessary repairs to protect your property from further damage after a cevered loss
  • Fire department service charge to save or protect your property after a covered loss
  • Coverage for forgery and counterfeit money and for unauthorized use of credit cards and fund transfer cards

Additional Savings

You receive top value for top-quality coverage. Here's how you can save even more:

  • Protective device credit-for burglar, smoke and fire alarms
  • Multiple policy discount-for our homeowners policyholders whose automobiles are also insured
  • Deductible options-offering you a premium savings when a higher deductible is selected
  • New home credit-our agents have the details
  • The Extra-bonus coverages you'll receive automatically when you insure both your home and auto

Flexible Payment Options

You can pay your insurance premium all at once or in monthly payments. You can choose from automatic withdrawal (Flex Chek), credit card (MasterCard or Visa) or a one-time checking deduction through our online customer service.