A typical homeowners policy through McCutcheon Insurance includes coverage for the following:
 

• The Dwelling – Your single greatest investment. The policy will pay the cost to replace or repair your dwelling due to a covered loss

• Other Structures – The policy covers structures other than the dwelling on your premises such as detached garages, barns, garages, sheds, pools, etc.

• Personal Property – Covers your personal property from pots and pans to furniture and so much more, both on and away from your premises

• Additional Living Expenses – If your home is damaged in a covered disaster, the policy can cover additional living expenses that are reasonable and necessary to maintain your normal standard of living while your home is being repaired

• Personal Liability – Provides coverage for defense and judgment if you are legally liable for accidental injuries to others on your premises, or for the actions of family members or pets. Even if you are not legally liable, the legal costs for your defense are covered.

• Premises Medical Payments – This is a voluntary payment for medical expenses for others who may be injured on your premises when you are not at fault.
   

The above broad categories comprise the basics for most homeowners policies. However, there are numerous options and endorsements available to tailor the policy to meet your individual needs. These include, but are not limited to:
 

• Replacement Cost Dwelling – Extended limits or Agreed Value

• Replacement Cost Contents Coverage

• Personal Injury Liability (libel and slander)

• Building Ordinance on Law Coverage

• Sewer and Drain Backup

• Valuable Articles Coverage

• Flood

• Earthquake

• Equipment Breakdown

• Identity Fraud

• Loss Assessment
   

Our companies offer a number of credits to help reduce your costs including:
 

• Account Credit

• New Home Discount

• Alarm Credits

• Sprinkler System

• Gated Community

• Fire Extinguishers