For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected. In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.

Please click HERE to visit some useful websites for your home.

A standard Homeowner policy protects you against:

• Liability
• Fire
• Lightning
• Windstorms/Hail
• Smoke Damage
• Falling Objects
• Freezing
• Weight of Ice and Snow
• Vandalism
• Theft of personal property

Damages that are EXCLUDED from your standard homeowner policy:

• Earthquake
• Flood
• Water Backup/Sump Overflow
• Vermin/Rodent/Insect

Coverage may be purchased for the above exclusions. Please call us for more details.

Available Discounts*

Smoke Detectors
Discount for having smoke detectors in your home.

Home Security
Discounts for Burglar and Fire Alarms, Dead Bolt, and Automatic Sprinklers

Non Smoker
Discount by being a non smoking household.

Mature Credit
If you are age 55 and older and one of the named insured's is retired, you are entitled to a 5% discount.

Home/Auto
If you insure your auto and home through Commerce Insurance, you can recieve 20% on your homeowners premium.

Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.

Common items that can be added as scheduled property:

• Jewelry
• Furs
• Cameras
• Musical Instruments
• Silverware
• Golfers Equipment
• Fine Arts
• Bicycles

Click HERE for information on preparing a Home Inventory.