The company offers replacement cost and ACV coverages for homeowners that may include replacement cost for your personal property as well. A guaranteed replacement cost program is also offered for qualified risks.

Equipment Breakdown – Home

Homeowners Equipment Breakdown Insurance fills an important gap by covering a wide range of essential home equipment. Some examples:

  • Furnaces, heat pumps, heaters, solar heaters
  • Central air-conditioning
  • Water heaters
  • Kitchen and household appliances
  • Well pumps
  • Central vacuums
  • Home security systems
  • Pool and spa equipment


Inland Marine

Coverage that goes beyond the limits of your homeowner, condo or renters policy for special items such as jewelry, furs, cameras, computers, silver, and other collectible items. We also offer coverage for recreational vehicles and small boats.