Homeowners Insurance

Home Insurance Application:
 

Please Also Download Our New Business Application If You Are Not a Current Client:
 

Shopping for Homeowners Insurance? 

Your home is most likely your largest investment, both financially and emotionally. Whether you rent or own your home, Brunswick Companies the experienced advice you need to protect your assets against loss due to fire, theft, vandalism or other covered perils.

Homeowners policies differ according to which losses are covered, which level of coverage you choose and what type of residence you own. A comprehensive policy can cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property. Other policies cover only specific losses you want protection against.  For additional premiums, other losses such as flood or earthquake can be covered.

Our personal lines specialists will listen to your needs, explain the scope of insurance protection you require and recommend a program that best meets your expectations and financial goals.

Does Your Homeowners Insurance Policy Provide Enough Protection?

Do you have enough insurance to rebuild your home after a total loss?  Homeowners insurance provides protection for the following:

• Your Home
  
  
• Detached Structures such as garage or shed
  
  
• Personal Belongings, including furniture, clothing, appliances, electronics and much more
  
  
• Loss of Use, for living expenses when the home is damaged and uninhabitable
  
  
• Personal Liability coverage protects you and your family against a claim or lawsuit if someone is injured or their property is damaged while at your home

Optional Coverages may include:

• Contents Replacement provides full replacement cost for personal belongings.
  
  
• Additional Replacement Cost Protection provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.  
  
  
• Additional Living Expenses coverage provides for temporary housing, meals, etc., while your home is being restored or rebuilt.
  
  
• Builders Risk is specialized coverage that protects construction projects against their specialized risks.
  
  
• Personal Injury protects you against libel and slander.
  
  
• Identity Theft Protection provides assistance from a consumer fraud specialist and  covers expenses related to restoring your good name and financial reputation.
  
  
• Valuable Items Endorsements provide a blanket of coverage that is broader than what a basic Homeowners Insurance Policy covers. This extra level of protection may be required by people who own valuable possessions such as jewelry, furs, artwork, antiques, fine silver or china, cameras, computers and other electronics, or collections such as wine, stamps, coins, etc.  
  
  
• Personal Articles Floater provides even more comprehensive coverage that than the Valuable Articles Endorsement for people who wish to schedule items that have been carefully selected and whose values exceed the limits of either the Homeowners policy or Valuable Items endorsement.
  
  
• Umbrella Policy offers additional liability protection.

Additional Protection: Coverage Options

• Flood Insurance. Flood coverage is typically not provided by a Homeowners Insurance Policy. This affordable coverage protects you against damage to your property and provides cleanup reimbursement. Both National Flood Insurance Program (NFIP) and Excess Flood policies are available.
  
  
• Earthquake Insurance. Earthquake coverage is typically not provided by a Homeowners Insurance Policy. This coverage protects you against damage to your property and provides cleanup reimbursement.
  
  
• Pleasure boat insurance for small watercraft. (See also Watercraft Insurance)

Homeowners Insurance Discounts

In addition to competitive rates that recognize customer differences, Brunswick Companies offers policies with a variety of features that may further reduce your premiums, including:

• New or renovated home discount 
• Multiple policy discount when you insure both your auto and home with the same carrier 
• Claim-free discount 
• Security discounts for homes equipped with smoke detectors, dead bolts, fire extinguishers or alarm systems  

Your Responsibilities