Property insurance

Additional Homeowners Coverages.

Get the right coverage
and move on with your day.
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More coverage, less worry.

Your standard homeowners policy does a lot. But sometimes, life throws more at you. Additional coverages are designed to fill in the gaps and help you bounce back faster.

New to all of this?

Get clear, simple answers to your insurance questions without the jargon.

Inland Flood

Heavy rain or rising rivers? This coverage helps repair flood damage caused by inland water, so you’re not left high and dry.

Umbrella

When a big claim pushes your policy limits, this coverage adds extra protection to keep your assets secure.

Extended Replacement Cost

If rebuilding your home costs more than expected, we can help fill the gap so you can put things back the way they were.

Functional Replacement Cost

This coverage can help replace damaged materials with ones that are functionally similar – minus the premium price tag.

Extended Replacement Cost on Contents

Covers your belongings at today’s value, not depreciated prices, so you can replace what’s lost without compromise.

Water Back Up

If your sump pump fails or drains back up, this coverage can help clean up the mess and fix the damage.

Ordinance or Law

If local codes have changed since your home was built, this coverage helps bring things up to spec during repairs.

Equipment Breakdown

Covers costly repairs when appliances or home systems (like HVAC) suddenly stop working due to electrical or mechanical issues.

Earthquake

Standard policies don’t include earthquake damage, but this coverage does. Giving you solid protection when the ground shakes.

Business Property

Running a business from home? This coverage protects the tools, inventory, and materials tied to your livelihood.

Additional Insured - Non-Family Resident

Extends your policy to protect a non-family member living in your home, because coverage should reflect your household.

Service Line

If underground lines like water, gas, or electricity are damaged, this coverage helps with the cost of digging, repair, and replacement.

Bundle & Save.

Talk to an agent to see how you can save money by covering the following products with us.

Advice from an agent.

"Price is important, very important. But don't sacrifice needed coverage for price alone. Talk to your trusted agent to make sure you have the right coverage for a competitive price."

Mike Jenkins
Harrisonburg, VA