A man's home is his castle.

Did you know that two potentially devastating causes of loss that are not covered under the homeowners policy are Flood and Earthquake? For more information on how to obtain these coverage's, please see our Flood and Earthquake pages.

For those homeowners who install important safety equipment such as smoke detectors, burglar alarms, fire extinguishers, dead bolts, etc., discounts can be applied to further enhance the value received. Discounts also apply when the homeowners coverage is combined with other coverages.

Most homeowners policies do not include backup of sewer and drain coverage, however for a nominal additional charge this coverage is available by endorsement. T

Another important consideration for people who work from home is to check to see if your business property is excluded from your homeowners policy. Since most homeowners policies exclude business personal property, you should insure this risk by endorsement if possible or separately if necessary.