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HM Risk: Home. Interior photo.

For most people, a home is the most significant asset they own. Properly insuring that asset is critical to protecting your family’s financial well-being as well as the belongings that take years to make a house a home. HM helps our clients find the proper insurance coverage to make sure your goals are met and to know you’re protected.

Coverage Highlights:

  • Personal Liability Limit options – $300,000, $500,000 up to $1,000,000.

  • Medical payments to others – up to $10,000.

  • Cash Settlement option – available.

  • Identity Theft / Kidnap Ransom – available.

  • Contents – 0% up to a 100% of the dwelling amount (depending on the carriers and each state).

  • Other permanent structures – 10% to 20% of the dwelling amount for other structures coverage.

  • Additions and alterations – a single limit for Additions & Alterations and Contents coverage can be offered.

  • Business property – covered loss to business property owned or leased at a particular residence. Optional limits are available.

  • Earthquake Coverage – coverage can be purchased to cover losses to dwellings contents or other permanent structures (this coverage can be subject to underwriting discretion).

  • Earthquake Coverage Extension for Loss Assessment – Provides Earthquake coverage for Loss Assessment claims.

Each insurance carrier we represent offers a variance of coverage and eligibility requirements may apply to these coverages.

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