Homeowner's Insurance Homeowner’s insurance is designed to protect an individual’s home, or the possessions within, against damages to the dwelling caused by many perils, including fire, theft, and vandalism. The policy also provides liability coverage against accidents from third parties that occur inside the home or on the property. Home Replacement Cost Coverage This type of coverage includes the full cost of repairing your home if damaged in a covered incident, even if the cost exceeds your policy limits, provided your home is insured for 100% of its replacement value. Full Value Contents If you experience a covered loss in which an item is destroyed or stolen, your policy will pay to replace the item up to the limits stated within the policy and less your selected deductible. The difference between replacement cost and the actual cash value can be considerable.Contact one of our Property and Casualty specialists today to find out more about this type of coverage.You may also use this link if you’d like to request a quote:Request a Quote Let Us Help You With the Protection of Your Most Valued Asset. Find Your Perfect Fit Name Email Phone Question Thank you! Oops!