At First American Property & Casualty Insurance Agency, we are committed to helping you understand your Homeowners insurance coverage options and can recommend the most cost-effective solution for your needs at the time of purchase or when you have remodeled your home.

Protecting your most valuable asset with the right Homeowners Insurance can help you recover in the event of a fire, theft or certain natural disasters. With more than 30 years of providing insurance, you can turn to us for specialized advice and accurate insurance coverage. Our friendly, experienced agents are highly trained professionals who will customize coverage to fit your unique situation while maximizing any discounts available.

Work with a trusted partner who truly understands your needs. Call us at (877) 727-5925, or get a complimentary Homeowners insurance quote.

Coverage A - Dwelling

Coverage A provides property coverage that protects your dwelling and attached structures if it is damaged by a covered peril.

Coverage B - Other Structures

This coverage provides protections to other structures on the premises that are not attached to the dwelling. This may include detached garages, tool sheds, etc. Coverage B is normally limited to 10% of the Coverage A limit. However, you may purchase more coverage for an additional premium.

Coverage C - Personal Property

This coverage provides protection for the contents of your home and other personal belongings owned by you and other family members who live with you. Coverage is limited on certain types of property that are especially susceptible to loss, such as jewelry, fine arts, money and collectibles. You may wish to increase coverage for these types of items.

Coverage D - Loss of Use

This coverage will help if you are unable to live in your home if damaged by a covered peril. These expenses include, but are not limited to housing, meals and storage for belongings.

Coverage E - Personal Liability

This section of the homeowners policy will provide coverage in the event you or a resident of your household are legally responsible for injury to others. Coverage E normally provides defense and will pay damages as the insurance company deems appropriate. Liability coverage does not cover intentional acts. All of the exclusions and specific language can be found in your policy.

Coverage F - Medical Payments to Others

This coverage pays for reasonable medical expenses for those accidentally injured on your property. For example, if a neighbor is injured while in your home, the medical payments portion of your homeowner's policy may pay for necessary medical expenses. Medical payments coverage does not apply to your injuries or injuries of those who reside in your household. It is not a substitute for health insurance.

Remodeling your home

Don’t get caught without proper insurance for your home

If you have remodeled your home since the last time you were quoted on homeowners insurance, you need to contact your agent to update the policy. Some of the most commonly overlooked items that need to be included on your homeowners insurance policy include kitchen remodels, adding on square feet, yard improvements, detached structures, pools/spas and updated roofs, piping and electrical systems.

It is important that your insurance carrier has the most up to date information on file so they can take these items into consideration when determining your premium. If you put in a new pool without telling the insurance company, you are at higher risk of being denied for a claim should an accident occur in or near the pool. The same consideration for additional square feet being added to the home, if there was an accident in that new room, the insurance carrier did not include the cost of that living space into the premium calculation and thus may deny the claim.

Match your coverage to your current situation

Aside from possible claim denials, it is a good practice to keep your Coverage A (Dwelling Rebuilding costs) and Coverage C (Personal Property) at a level consistent with your living situation. Major remodels are not the only time you should revisit your insurance coverage. Smaller projects add up such as recessed lighting, new custom bathroom tile, replacing the carpet or flooring, etc. These smaller projects add up and increase the value of your home and its cost to rebuild. Be sure that you you’re your Coverage A amounts are a reasonable estimate to rebuild your entire home.

After moving into a new home, families rarely decrease the volume and worth of their home furnishings, electronics and possessions. When you estimated your personal belongings at $50,000 at the time you bought the home 8 years ago may now have grown to $75,000. Be sure your Coverage C matches what you personally feel is necessary to replace the items in your home.

Remodels that could save you money

Notifying your insurance carrier of a new more fire-resistant roof may actually save you money on your home insurance. Other updates that could reduce your premium are changing from galvanized to copper pipe, redoing your electrical system from older non-compliant wiring and installing of a burglar alarm or deadbolts on your doors.


If you have any questions or concerns about your current situation, please call our offices at (877) 360-4478 to speak with our knowledgeable staff. They can walk you through the process to protect your home and valuables with the right coverage.