Your home policy protects you in following ways. You’ll find these listed on your policy’s “Declarations” page. Here’s what they mean to you.

Your home is probably your most valuable asset. Not many people realize that it is also a huge financial risk for you.

  • What if something happens to it? A fire? A flood? Vandalism? Will your insurance policy actually pay for the damage? Will it pay for ALL of it?
  • What if someone visiting you slips and falls and suffers a serious injury? And sues you? An accident like that could put a dent — or worse — in your financial security.

For most people, home insurance is a mystery. Most home policies are purchased as a prerequisite for mortgage without understanding the protection it provides. And often, consumers don’t understand what their policy does NOT cover and what to do about that.

Not all homeowner insurances are created equal. In fact, almost none of it. There are thousands of different products out there, from hundreds of insurance companies. And your policy includes literally dozens of options and decisions you must make that determine how much insurance protection you actually have. Your home policy is not a commodity. It’s something tailored specifically to your needs and desires.


The word Dwelling in your home policy essentially refers to your home itself. It includes attached structures, as well. The Dwelling Limit (or Amount of Insurance) stated on your Declarations page indicates the most the insurance company will pay to replace your home. Is it enough?


Your liability coverage pays if someone sues you for their injuries that occur on your property – someone slips and falls, etc. However, the liability protection under your home policy extends beyond your property to your everyday life.

Personal Property

Your personal property is all your stuff – furniture, clothing, electronics, appliances, etc. It, too, has its own protection limit. Regardless of the protection limit it is important to understand your property is protected on an “actual cash value” or a “replacement cost” basis? The difference is huge!

Medical Payments

Pays medical bills for a guest who is injured on your property or in another covered claim. The idea is to do the right thing for someone – pay their medical bills. This protection is inexpensive, but could save you major hassles.

Why you need Umbrella coverage

Umbrella Insurance

A Personal Umbrella Insurance policy provides coverage for liability exposure. It protects you against a claim when your personal liability limits are exhausted, and you are faced with a lawsuit.

Self-funded or self-insured

If you are at fault in home insurance claim, you are responsible for payment after your personal policy liability limits are exhausted, and that could mean financial disaster.

A claim worth million dollars can add up easily if victim of an accident sue you for medical bills. The claim amount can quickly pile up if the injured person suffers injuries that keep him or her from working for weeks, months, or years.

Keep your worries at bay

Speak to our agents about your particulars to get coverage that works for you.A few of the companies we represent include: Travelers, Safeco, MetLife Home, Kemper, Mercury, Lincoln Financial, Dairyland, Foremost, and many more.