Protect yourself and your family by insuring your home — and everything in it.

Protection against catastrophic events can make all the difference when your family’s livelihood is at stake. Make sure you have the protection and coverage needed to take care of yourself and your loved ones if and when something does happen. MacCallum Group offers a variety of Homeowners Insurance coverage to protect items you may not even think could be covered.

Homeowner’s Coverage Options

Property | Dwelling

Dwelling coverage pays to repair or rebuild your home in the event of a tragic event. If your home is destroyed, do you have $500,000 to rebuild it? Having enough coverage to rebuild your home pays-off — literally.

Renters

Renters coverage covers your personal belongings whether at home or abroad. In addition to your personal belongings, it covers any personal liability such as an injury to someone in your home.

Condo

Condo coverage protects you for interior damages which are commonly not coverage by condo association coverage. In addition, it covers losses due to theft and fire.

Personal Property

Personal Property coverage replaces your property in an event it is damaged, lost or stolen. Imagine tipping your house upside down and shaking it, everything that falls out would be covered.

Loss of Use

Loss of Use can provide coverage to pay for additional housing and living expenses up to your policy limits, should you have to move out of your home as a result of damages that are being restored.

Flood

Property Insurance DOES NOT cover floods, therefore having a dedicated flood insurance option on your policy can help replace items damaged by disasters that occur.

For additional information on coverage options give us a call or fill out our contact form and we will get back in touch with you.

Protect your family’s most important possessions.

Homeowner’s policies can be custom tailored to your family’s needs and your geographic location. Some areas require additional coverage options, such as flood insurance. In addition to covering your home, we can also provide coverage for the items inside of it. More expensive items may need to be scheduled or added with a higher limit to cover the additional costs if they exceed the policy limits. Here are some of the additional common items that can be covered within a policy:

  • Wedding and engagement rings
  • Electronics
  • Fine art
  • Other types of jewelry and valuables
TV above fireplace
Apartment Complex

Renting? No problem, we can cover that too.

Believe it or not, when you’re renting a home, condo or apartment you and your valuables are not protected from your landlord’s insurance policy. Generally, their coverage protects the building structure itself, but all valuables, electronics and furniture are your responsibility. With renter’s coverage not only are your valuables covered while inside your home, but they are covered anywhere at anytime! Contact us today for more information →

Umbrella Policy – extend your coverage.

Unfortunately, in todays society lawsuits are pretty common. Everyday personal activities can  potentially result in a liability claim against you. Claim settlements can easily extend beyond the normal limits of your policy coverage by hundreds of thousands, and sometimes millions, of dollars. Here are some of the benefits of having an Umbrella policy:

  • Liability coverage over and above your homeowner and automobile policy limits.
  • Protection from claims of libel, slander, and deformation of character.
  • Protection from lawsuits resulting from damage to someone else’s property or injuries as a result of an accident.
  • Coverage for false arrest, wrongful entry, invasion of privacy and more.

Contact us for more information and make sure you are protected this year beyond your normal coverage.

Couple looking at paperwork

Believe it or not, pets can effect your homeowners policy quite a bit. Certain breeds of dogs that might be more prone to harming people or other animals may require additional liability coverage. Some pets will require liability coverage or not qualify for coverage at all. We can help determine how your pet fits in and what options you need for proper protection.

Ready for peace-of-mind with your Insurance Agent?