Homeowners Insurance Program

Your home is usually the largest single investment you will make in your life. Let us help you protect it. Powell Insurance offers homeowner’s insurance that is a step above the rest. We will personally set up a policy that fits your unique home, so you can have peace of mind. Ask us about our great Renter’s, Condo, and Landlord Insurance policies too.

This is the amount your home is covered for. This number is based on your home specifications and was calculated by Farmer’s Replacement Cost Program. This is approximately how much it would cost if we had to completely rebuild your home today. This is the amount of coverage available for structures not attached to the dwelling. Examples: fences, sheds, unattached garages and mail boxes. This coverage covers everything that you own. Some personal property has coverage limits or would require a policy floater. Common floaters added to home policies are jewelry, firearms, fine art, collectibles, silverware, money, securities, and furs. Covers expenses incurred when you are unable to use your home due to a covered loss. Example: Cost of renting a house if yours was unlivable due to a covered peril. Covers bodily injuries to other people or damage to their property, if you are deemed liable. These injuries or damages could be a result of: the use of your premises, other real estate property if you choose to add it, acts of your pets, unintentional acts committed by you or qualified family members, either on premises or off. Covers people injured on you your premises, regardless of liability up to the specified limit. Provides protection up to 10% of the dwelling amount for increased cost of construction due to building code or ordinance. Personal property is covered for repair or replacement without deduction for depreciation. "Replacement Cost" means the cost, at the time of loss, of a new article identical or comparable to the one damaged, destroyed or stolen. Provides a replacement cost for the dwelling up to 125% of the dwelling coverage.
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Coverage for Sewer Drain back up and sump pump failure. Provides Dwelling coverage in the event of an earthquake. Coverage is available through the National Flood Insurance Program. Proactive Identity Fraud coverage constantly monitors your credit and notifies you of any problems before they negatively affect you. Ensures that your family will be able to keep your home in the event that you and/or your spouse dies. (see life insurance section)

Personal Liability Umbrella policies available from $1 million up to $5 million
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Roof surfacing
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