Home is our refuge.  Protecting that space from loss is a critical investment. Homeowners insurance insures the home itself and the things you keep in it.  It is a package policy, meaning that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.  Damage caused by most disasters is covered but there are exceptions.  Other types of homeowners insurance you may purchase are rental dwelling, vacation home, condo, and farm coverages. Give us a call, use our email form or send us a text to schedule an appointment in the office or over the phone.