Homeowners Insurance Coverage

Home is where the heart is—where you build your life, memories, family, and friendships Let the experienced agents at First Tech help you protect your roof (and everything under it) with a homeowners insurance policy tailored to your unique needs. As a type of property insurance, total home coverage often includes the following:

Dwelling Coverage - This coverage helps pay for repairs or the rebuilding of your home if it’s damaged or destroyed by a covered cause of loss.

Other Structures Coverage - If your property includes buildings that aren’t attached to your home, you can add coverage for detached structures like garages, sheds, and fences.

Personal Property Coverage - Make sure your coverage includes personal items in your home (furniture, electronics, etc.) that may be damaged or destroyed by a covered cause of loss. Special limits of liability may apply to certain items.

Loss of Use Coverage -If the unthinkable happens and you can’t live in your home while it's being repaired, loss-of-use coverage pays for additional living expenses you might incur if you need to find a temporary place to live.. Expenses may include things like hotel or short-term rental costs and are subject to coverage terms and limits.

Personal Liability Coverage - If you or a member of your household is responsible for causing bodily injury or property damage to others, personal liability coverage protects your finances in the event of a lawsuit.

Our agents are ready to help you build the best possible homeowners insurance plan to fit your location, possessions, and budget. Reach out to use today to start a conversation and see what it’s like to work with an agent who’s as invested in your home as you are.

Extra home insurance coverage for the unexpected

Additional homeowner’s insurance coverage includes: 

Special Personal Property Coverage - Can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners’ policy.

Contents Replacement Cost - Coverage can cover personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry, watches and furs.

Additional Replacement Cost Protection Coverage - Helps you repair or rebuild your home if the dwelling coverage on your home is not enough to cover the cost to repair or rebuild after a covered loss.

Jewelry and Valuable Items - Can be covered with Valuable Items Plus coverage, which offer higher limits and expanded protection for special classes of property. 

Water Backup and Sump Pump Discharge or Overflow - Coverage can help cover the loss up to a specified dollar amount if water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump. This does not include coverage for flood or surface water backup.

Speak with a First Tech Insurance Services agent for help finding the right homeowners insurance coverage for your unique needs. Contact an agent today.

Own a condo, townhome, or row home? Do you rent? We can help with condo and renter’s insurance. 

First Tech Insurance Services is here to help you protect the things that matter most to you. We are a credit union-owned, full-service independent insurance agency with coverage options for home, auto, life and more.

As an independent insurance agency, we do the work of comparing home coverage options from multiple preferred insurance carriers to find the best policies to fit your needs and budget. Some of our carriers even have discounts that are only available to First Tech members.

Speak with an agent to learn how we can help you find the right coverage for your home insurance policy today.

Insurance products and services offered through Addison Avenue Financial Partners, LLC, d/b/a First Tech Insurance Services, a wholly-owned subsidiary of First Technology Federal Credit Union.