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Buying a home is one of the largest investments you will make in your lifetime. It is important to protect that investment with home owners', disability and life insurance policies. Ask for referrals from friends and co-workers or find a member online through our searchable directory. The insurance company should also have a reputation for fast, fair claims service and have a solid financial rating of "A"+ or better from AM Best, an independent company that ranks insurance companies' financial performance.

Some items usually covered by insurance includes damages from: 

  • Fire or smoke, explosion
  • Lightning, windstorm or hail
  • Vehicles or aircraft
  • Vandalism or theft
  • Falling objects
  • Bulging, cracking, rupture of hot-water heating systems
  • Freezing of a plumbing system or household appliance
  • Water damage
  • Loss of use
  • Personal liability
  • Weight of ice/snow


Many factors determine the cost of insurance. Some include:

  • Size of home
  • Age of home
  • Home renovation
  • Wood stoves
  • Alarm system
  • Locks/deadbolts
  • Smoke detectors


Other buildings on the property:

  • Heating system
  • In-home business
  • Limit of personal liability
  • Loss history
  • Credit score
  • Other coverage with same company
  • Deductible
  • Type of roof


Some options you may want to add: 

  • Flood insurance
  • Water backup
  • Identity theft coverage
  • Increased coverage for jewelry, guns, silver, money