Home Insurance

Flood coverage requires a separate policy.

Most homeowners choose higher limits to protect savings and assets.

Yes. Bundling usually lowers premiums and simplifies billing.

High-value items may need to be scheduled for full coverage.

Turnaround varies by property details and carrier requirements. We will confirm timing after we review the basics.

Yes. Other structures coverage can protect garages and sheds.

Claims can affect rates, but we compare carriers to minimize impacts.

Coverage C is personal property coverage. It pays to repair or replace your belongings (furniture, clothing, electronics, appliances) if they are damaged or destroyed by a covered peril such as fire, theft, or a windstorm. Standard HO-3 policies set Coverage C at 50 to 70 percent of your dwelling (Coverage A) limit. For a home insured at $300,000, that means $150,000 to $210,000 in personal property coverage. Replacement cost personal property coverage pays today's prices with no depreciation deduction; actual cash value pays the depreciated amount. Dragon Insurance recommends replacement cost on Coverage C for most homeowners.

Coverage E is personal liability coverage. It pays for bodily injury or property damage claims made against you when you or a household member are legally responsible. For example, if a guest slips on your icy walkway and sues, Coverage E pays for your legal defense and any judgment up to your policy limit. Standard limits run $100,000 to $500,000. If you have significant assets or own a pool, trampoline, or dog, higher limits or a personal umbrella policy are worth considering. Dragon Insurance helps homeowners choose an appropriate Coverage E limit based on their asset exposure.