Homeowners Insurance

Make the move to help protect your home and family.

What’s covered by homeowner’s insurance

We help protect these type of items

Keepsakes

Jewelry, collectibles, pictures

Hobbies

Cameras, musical instruments, firearms, money

Home & garden

Washers, dryers, furniture (both home and lawn), lawn decorations, swing sets, clothing, computers and data processing equipment used or intended for use in a business

We help cover you from these type of threats

Nature

Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet

Random acts

Fire, theft, vandalism, riots, explosion, smoke, aircraft and vehicles

Other causes

Abrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current

What's typically not covered?

Natural & other causes

Damage from flood, underground water, earthquakes, mudslides, settling, deterioration, contamination, nuclear hazard, birds, rodents, insects or domestic animals.

Work-related

Business pursuits or professional services. You will need a business owners policy to cover business pursuits.

Vehicles

Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft

Have Questions?

Our Naples Insurance Experts are here to help.

What Is Your Property Worth?

Know the Estimated Replacement Cost

To determine your amount of homeowners insurance coverage:

Get an estimate of the replacement cost of your home.
Select the home insurance coverage amount that best fits your needs.

We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost. But the choice is yours. Determining your home’s estimated replacement cost is important because this will ultimately determine which policy options are available to you. Since it is impossible to predict today what the exact cost will be to replace your home in the future, it’s important to have enough coverage to account for unforeseen circumstances.

Market Value vs. Replacement Cost

Market value is the amount a buyer would pay for a home, including the land, regardless of how much it would cost to rebuild the home.

Replacement cost for this purpose is the rebuilding cost necessary to replace the entire home.

Replacement cost IS NOT:

The market value of the home.
The home’s purchase price or the cost of the land.
The outstanding amount of any mortgage loan.

Medical and Liability

Rest easy, the policy provides protection for covered liability claims or lawsuits.

Policy Coverage Limits

Homeowner’s policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). What’s on a typical “special limits” list?

Money, bank notes, coins
Business property
Watercraft including trailers, furnishings, and equipment
Trailers (other than boat trailers)
Firearms (applies to theft only)
Silverware and goldware (applies to theft only)
Computers and data processing equipment
Rugs, tapestries (theft only)