Customized Personal Property And Liability Protection

Foul weather... or fastballs through the kitchen window. For life's little occurences, homeowners need insurance protection they can count on.  When the unexpected happens, Heartland has a plan for that.

Plan now for the unexpected. Ask about homeowners coverage from Heartland. When you need repairs or recovery, peace of mind can never come too soon.

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Heartland offers and represents numerous homeowner's insurance policy coverage that provides:

• Dwelling covers the cost to replace the structure of a damaged home up to the policy limits. this includes attached structures such as swimming pools and screen pool enclosures.
• Other Structures provides funds to rebuild detached structures on the property such as a fence, tool shed, or gazebo.
• Medical Payments take care of medical expenses for anyone outside the household who is injured while visiting.
• Personal Property and Valuables offer the replacement value for personal belongings such as clothing, furniture, appliances, jewelry, furs, and heirlooms.
• Personal Liability Insurance covers claims for property damage or bodily injury for which the homeowners are legally responsible.
• Loss of Use pays for any costs above the normal living expenses if damage prohibits the family from living in their home.
• Loss Assesment covers costs levied by a homeowner association in the event of a loss caused by a covered peril.
   

Customized Coverage Adds Strength.

A homeowners policy from Heartland Insurance Group can always be trusted for strong protection, when and where it's needed most.

A standard homeowners policy can be customized with optional coverages, including:

• Scheduled Personal Property (jewelry, furs, heirlooms, etc.)
• Home Equipment Protection (air conditioning systems, electronics, pool equipment, etc.)
• Rental to Others (available for condominiums or other structures)
• Increased Loss Assessment
• Permitted Incidental Occupancies
• Increased Other Structure Coverage
• Golf Cart Liability
• Identity Fraud Expense
• Expanded Replacement Cost Terms
• Water Damage - Sewers, Drains & Sumps Coverage
• Personal Injury
• Increased Limit of Liability - Fungi, Other Microbes or Rot Endorsement (mold damage)
• Personal Property Value Loss Settlement
• Limited Farm Liability
• Townhouse/Rowhouse
• Seasonal or Unoccupied Property

Get a Homeowner Quote