This is the core component of your policy. The purpose is to offer coverage of the physical structure, including the walls, roof, foundation, floors, and built-in appliances, to name a few.

Do you have a detached garage, shed, or carriage house? Maybe you have a fence or other structures on your property? If so, let us know what you want in your policy, and we will include them.

Whether you own a house or condo or rent, ask us how to protect the contents inside your dwelling. This can include furniture, clothing, electronics, jewelry, and other valuable assets not attached to your home's structure.

This coverage is important in case of injury on your property or if you or a family member accidentally cause injury or damage to someone else's property. This coverage is designed to protect you and, more importantly, your assets in case of a lawsuit. We will work with you to determine the level of legal fees, medical expenses, settlement costs, and deductibles that fit your needs and budget.

If you cannot live in your home due to a covered event (fire, severe storm, tornado, etc), ask us about how an ALE policy can provide an agreed-upon reimbursement for your hotel bills, restaurant meals, transportation, etc.

Ask about our additional security features.