Homeowners insurance protects your investment in your home. For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local building costs per square foot. To find out construction costs in your community, call your local real estate agent, builders association, or insurance agent. Factors that will determine the cost of rebuilding your home:

• Local Construction Costs

• Square Footage of the Structure

• Type of Exterior Wall Construction Frame,

Masonry, or Veneer

• Style of the House

• Number of Bathrooms & Other Rooms

• Other Structures on the Premises, Such as

Garages & Sheds

• Type of Roof & Materials Used

• Fireplaces, Exterior Trim, & Other Special

Features

• Whether the House (or Parts of It) Were

Custom Built

• Home Improvements That Have Added Value

to Your Home

Special Policies

Standard homeowners policies provide coverage for disasters such as damage due to fire, lightning, hail, explosions and theft. We offer additional policies available that cover floods and earthquakes.