Home Insurance

Homeowners Insurance

Protect Your Home, Inside and Out

Your home and everything within it is the largest investment most people make in their lives, which is why Homeowners insurance is so very important. Why wouldn’t a person want to protect their home, inside and out?

Caerus Insurance will help you find the best homeowners insurance for your specific needs. Below you’ll find information about the various coverages that will help any homeowner protect their property and provide peace of mind.

Dwelling Coverage

Covers repairs or rebuilding your home if it’s damaged or destroyed by – among other things – fire, smoke, storms, explosion, vandalism, burglary, and burst pipes. Like most standard policies, it doesn’t cover floods, earthquakes, and normal wear and tear.

Personal Property Coverage

Protects everything within your home, including furniture, appliances, and clothing, as well as the things you take with you when you travel. If you have expensive items like jewelry, furs, guns, silverware, computers, and business equipment, you should consider endorsing items on the policy.

Replacement Cost Coverage

If your belongings are stolen or damaged, this coverage pays replacement costs at today’s prices.

Other Structures Coverage

Pays to repair or rebuild other damaged structures on your lot, such as a detached garage, shed, or playhouse.

Loss of Use Coverage

Helps to cover living expenses if you can’t stay in your house while it’s being repaired or rebuilt.

Personal Liability Coverage

Personal liability covers you if you’re held accountable when someone is hurt, or something of theirs is damaged, while on your property.

Medical Payments to Others Coverage

No matter whose fault it is, this product covers medical bills for a guest injured at your home. Also covers you if you accidentally injure someone when you’re visiting.