Homeowners Insurance

Coverage to protect your biggest asset.

Your home isn't just a place you rest your head, it's where we raise our families, spend time with family and friends, and build memories.  But for most of us, our house presents our biggest personal investment and asset.  That's why its important to insure it correctly!  This is where we come in, at Preferred Insurance we will work with you to evaluate all the coverage and risks you face in order to craft a policy that protects you, and your biggest asset in life!

Suburban Homes

Homeowners Insurance Policy


Dwelling Coverage

Dwelling Coverage, sometimes rereferred to as Coverage A is value your home is insured for in the event that it is damaged or destroyed due to a covered peril like fire, lighting, wind, or hail.

Personal Liability Coverage

Personal Liability provides coverage for the cost of damages that you, or other people covered under you homeowners insurance policy are responsible for, including bodily injury and/or property damage.

Personal Property Coverage

This coverage protects your home's contents, and reimburses you if your personal belongings are stolen or damaged due to a covered peril.


Detached Structure Coverage

Detached Structure Coverage, or Coverage B refers to any structure that is detached from your home, like a detached garage, or shed.

Medical Pay Coverage

This coverage provides for injury to a guest while they are on your property.  This coverage is designed to cover minor injuries or potential lawsuits.

Add'l Homeowners Coverage Endorsements

  • Cyber

  • Water/Sewer Backup

  • Buried Service Line

  • Equipment Breakdown

  • Scheduled Personal Property

  • Rec Vehicle Liability

  • Watercraft Liability

Condo and Renters Insurance

Buying a condo or renting an apartment?  We also offer condo and renters insurance options to make sure your personal property is protected!


Looking for Insurance on that seasonal home up on the lake?  Or do you need coverage for an additional dwelling you rent out?  We've got you covered with a seasonal dwelling or dwelling fire policy!


Request a Homeowners Insurance Quote

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