If you own a home, condo or rent, you need homeowner’s insurance. It provides financial protection in the event of damage to your home, or if someone is injured in your home or on your property. The homeowner’s policy you purchase determines which hazards you are insured against.

A homeowner’s policy covers:
» The physical structure of your home
» Additional structures on your property (such as swimming pool, detached garage, etc.)
» The contents of your home (Current items of special value, jewelry, watches and fine art may need to be covered separately.)
» Personal liability occurrences that arise from being a homeowner
» Additional costs you may incur as a result of a covered loss

Remember, flood insurance is sold separately from homeowners insurance.

You may add other coverages to your homeowner’s policy to reflect your specific needs. Please call us at 1-888-866-4616 to discuss these coverages. We encourage you to review your policy and call OTTERSTEDT if you have questions about your coverage.