Homeowners Insurance

Your home is more than just a house. It's where you and your family live out the dreams of a lifetime, and probably your most valuable asset. When your home is damaged or destroyed, or the contents that have taken a lifetime to acquire are stolen, you need your claim settled by an insurance company that understands this simple fact.

You want to make certain you have the top-of-the-line protection the right insurance policy can provide you. But insurance policies and companies vary widely and finding the right one can be confusing. Trident Insurance Agency will help you determine which of our companies best meets your needs and objectives, while providing the most valuable combination of coverages, quality service, and competitive pricing.

Homeowners insurance covers damage from incidents such as fire, theft, and vandalism to your house, adjacent structures like a garage or shed, and your personal belongings. It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.

Please note: As with all homeowner insurance policies, coverages are subject to specific exclusions and definitions. Homeowners policies do not include damage caused by flood waters. Most items are covered up to stated limits for covered perils like theft or fire, and some items (such as jewelry) may need to be insured individually to provide protection.

Some of the specific features that may be included in your homeowners policy are:

Extended guaranteed replacement cost of the dwelling
Ordinance and Law coverage
Replacement cost of personal property/contents
Increased limits for valuable articles
Increased limits for back up of sewers and drains and sump-pump failure
Increased limits for loss of use
"All-risk" contents coverage (versus named perils)
"All-risk" dwelling coverage
Increased personal and excess liability limits

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