Discounts Available:

• Multi-Policy (auto with the same company)
  
• House alarm discount (monitored system, local system, smoke detectors)
  
• New house discount (Homes under 20 years old)
  
• Non smoker credit
  
• Claims free credit
  
• Credit for having superior credit
  
• Mature owner credit (over 55 years old)
  
• Higher deducible credits
  
• Named storms deducible (homes within 2 miles from shore)
  

Basic coverage's (on every homeowners' policy):

• Dwelling coverage (equal to the rebuilding cost of house)
  
• Other structures (10% of dwelling amount)
  
• Personal property (50% of dwelling amount)
  
• Personal property away from home (10% of personal property)
  
• Loss of use or loss of rents (20% of dwelling amount)
  
• Personal & premises liability
  
• Medical payments to non-residents
  
• Business property at home
  

Homeowners Insurance Options:

• Replacement cost coverage on the dwelling (150% maximum or unlimited)
  
• Replacement cost coverage on contents
  
• Scheduled items coverage such as jewelry, silverware, computers, camera equip., etc.
  
• Blanket coverage on jewelry
  
• Water Backup and sump pump overflow
  
• Equipment breakdown
  
• Assisted living care coverage for household memebers
  
• Identity Theft coverage
  
• Refrigerated property
  
• Earthquake coverage
  
• Office in the home Liability coverage
  
• Lock replacement
  
• Watercraft (liability only)
  
• Rented dwellings (liability only)