Homeowners Insurance

If your home were destroyed or damaged, have you considered what it would cost to repair or rebuild it just the way it is - or buy another one equal to it? Fred E. Thomas Agency, Inc. can design your coverage to make sure you could do either - helping to protect not only your home, but your standard of living.
   
Home and Private Outbuildings
  • Your Residence is covered for full replacement cost provided it is insured for 80% of its replacement value, up to the limit of liability.

  • Private Outbuildings located on the premises are covered for up to 10% of the insurance on your residence.

Personal Property - Home and Away
  • Personal Property is covered for up to 50% of the insurance on your house. Higher limits are available.

 
Additional Living Expense
  • Extra Living Expenses that you might incur if your home should become uninhabitable following a disaster, such as temporarily living in a motel, are covered for up to 20% of the limit of the insurance on your house under Forms HO-2 and HO-3, and up to 10% under HO-8.
  
Personal Liability
  • Claims for Injuries You are covered against claims for injury or damage to the property of others.

  • Medical Expenses You are covered for such expenses arising from injuries to others on or off your premises.