Homes in the Northeast contend with Mother Nature year-round. From warm and wet summers to coastal storms and freezing, snow-covered winters, our safe havens are tested every season. To ensure your home is protected from all that Mother Nature throws your way, explore our homeowners coverage options that can be tailored to fit your unique coverage and budget needs.
Our Value Package Plus coverage is designed for homes of all values and covers:
- Personal property, such as furniture, appliances, electronics, clothing, etc.
- Additional buildings on your property, such as garages, barns, and sheds
- Personal liability to protect you if someone is injured on your property
- Special limits to cover additional items of value, such as jewelry, money, passports, tickets, etc.
- Loss of use to help cover expenses related to lodging and meals if your home becomes uninhabitable
This is just a sampling of the coverages afforded in the Value Package Plus policy. You can also purchase supplemental coverages to add to your policy for things like boats, snowmobiles, sewer or drain backups, and more.
Our Ultra Home Guardian coverage is more comprehensive and covers everything in the Value Package Plus product with enhancements, plus:
- Service line
- Backup of sewers or drains
- Lock replacement
- Property removal
- Evacuation expenses
- Identity fraud expense
- Ordinance or law
This is just a sampling of the additional coverages afforded in the Ultra Home Guardian policy. This premier home insurance policy includes everything you’d expect and even more.
To save money on your policy, ask your agent about the following homeowners discounts:
- Multi-policy auto discount
- Multi-policy life discount
- Multi-policy umbrella discount
- Loss history discount
- Protective device discount
Talk to one of our local, independent agents about your coverage needs, and they’ll guide you to the protection that’s right for you.
Homeowners insurance is available to residents of Maine, New Hampshire, and Vermont. Coverage is also available in Michigan and Ohio through our parent company, Frankenmuth Insurance.