Homeowners, Personal Property & Miscellaneous Insurance

We offer some of the broadest and most competitive homeowner and property related policies in the industry. The following list briefly describes some of the policies we offer:

Homeowner Policies

• Homeowner policies are designed for owner-occupied residential dwellings. They offer comprehensive coverages for the house, outbuildings, personal property, personal liability, medical payments and more. These policies can vary in terms of the property insured and perils insured against. We offer one of the best policies available related to both.

Condominium Policies

• Condominium policies are designed for owner-occupied condominiums or cooperative units, and they address some of the unique coverage needs of condominium owners including loss assessment, building additions and alterations, etc. They also provide coverages for personal property, personal liability, medical payments and more.

Renters/Tenant Policies

• Tenant policies are designed for individuals who are renting their current residence. These policies provide personal property, personal liability, medical payments and more.

Mobile Homeowner Policies

• Mobile Homeowner policies are designed for owner-occupied mobile homes. These include doublewides and other homes subjected to HUD standards and carrying a HUD sticker. These are comprehensive policies providing coverage for the dwelling structure, outbuildings, personal property, personal liability, medical payments and more.

Dwelling Fire Policies

• Dwelling Fire policies are designed to cover residences that are not owner-occupied, but, rather, occupied by others. Policies range from very basic to broad and typically include coverage only for the dwelling and other structures. Personal Property, Personal Liability and Medical Payments can generally be added by endorsement for additional premiums.

Boatowner Policies

• Boat Owner policies provide physical damage and liability coverages for the owner of boats. Some boats may be added by endorsement to homeowner policies while others will require a separate policy.

Inland Marine Endorsements

• When we insure personal residences, we generally can provide special coverage for various types of personal property including such items as jewelry, photographic equipment, musical instruments, and many other types of similar items. Coverage for these items are provided within most homeowner policies; however, some types of personal property have special limits such as jewelry, guns, silverware, etc. Other types of property need special coverage due to their mobile nature.

Catastrophe Liability

• We offer catastrophe liability coverage for families and businesses. Generally, in order to provide this coverage, we need to write the supporting underlying liability insurance coverages. Catastrophe liability is often referred to as umbrella or excess liability coverage depending upon the breadth of coverage provided.
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All companies and programs have differing eligibility requirements; however, in general, homes must reflect good maintenance and pride in ownership. Older homes are insurable in preferred markets; however, roofs, heating units, electrical systems, and plumbing need to be updated within the last 25 years. All systems must meet current local codes and basic requirements. In-ground swimming pools must be fenced with locking gates. Trampolines must be appropriately used with proper guards and supervision. Ownership of certain breeds of dogs or other animals, or of animals that have exhibited any acts of aggression may render a home ineligible for coverage. Any unusual exposures should be discussed with your agent to assure that there are no limitations of coverage.

Business activities on residence premises are generally excluded from coverage, and certain business activities may render a home ineligible for coverage. Coverage for some incidental business activities may be available by endorsement for additional premiums.

How to obtain a home insurance premium quotation:

• If you are interested in a free, absolutely no-obligation insurance quote, please give us a call at 765.472.4085 (local) or toll free at 866.361.6100.

• If you prefer, you may also download an home insurance questionnaire in Adobe Acrobat format and either fax it to us at 765.472.4079, or you can mail it to:

• You may also email it to us at jim@daleins.com. Please be sure to include it as an attachment with your e-mail message.