Home owners Insurance

Why choose us?

Our home insurance program is designed with unique qualities that set us apart from other commercial providers. Compare our special features. The difference is clear.

Guaranteed Replacement Cost (GRC) 

We will pay the full cost to repair or replace your home with materials of like kind and quality without the limits imposed by most other insurers. GRC eligibility includes homes built during or after 1950.

Extended Replacement Cost

For homes that were built prior to 1950, this coverage provides up to 125% of the dwelling limit on your policy. 

Benefits just for educators

Increased coverage for personal property losses on school premises—regardless of the cause of loss—to $2,000. No deductible!

In addition, we offer $500 coverage for stolen or damaged prep materials for classroom-related activities. No deductible!

Inflation guard protection 

Our inflation guard protection automatically increases your coverage limits each year to keep up with changes to the cost of building materials and personal property. This feature helps ensure that you have the protection you need when you need it.

Additional liability protection (umbrella) 

If you would like to extend the liability coverage on your home and auto policy, we have a program that can provide that too. You must insure both your home and your autos with us to be eligible for additional liability protection.

Additional living expenses 

If your home is damaged and you are forced to live elsewhere while repairs are completed, our policy helps pay any added living expenses for up to one full year. We pay the reasonable extra costs you incur by living away from home such as any additional rent, food, or travel expenses.

Equipment Breakdown Coverage 

Coverage for the cost of repairing or replacing essential equipment in your home when it breaks down can be added as an endorsement to your policy.

Sewer backup coverage 

Up to $20,000 coverage for damage due to sewer backup can be added as an endorsement to your policy.

Identity theft coverage 

Our policy covers out-of-pocket costs, as well as costs associated with services you may need to help straighten out credit records and reclaim your identity.

Recreational vehicle insurance 

We can also insure your mopeds, all-terrain vehicles (ATVs), campers, and boats.

Tree removal 

Tree removal caused by a wind storm is covered up to $1,500. 

Mold coverage 

We cover mold that arises from a covered loss up to $50,000.

Theft and arson reward program 

We'll pay up to $1,000 for information leading to the conviction of perpetrators responsible for theft or arson to your property.

Mid-term policy reviews 

We conduct periodic policy reviews that help you uncover how changes in your personal life may affect your insurance needs.

Flexible payment plans 

You can pay your premiums annually, semiannually, quarterly, or use our popular automatic monthly payment option called SmartPlan. If you are employed by a district participating in Trust Advantage™, you can arrange payroll deduction to pay your premiums.

Family eligibility 

Your children, even adult children, are also eligible to participate in our insurance program. Plus, once enrolled, you and your family can continue participating even if you leave or change jobs. Restrictions may apply.

your insurance promo

ira thanks


  • Home Inventory Form
  • Insurance forms and brochures