Homeowners Insurance

When most people hear the word "insurance" they think of their cars, but in many cases their home is the most important and expensive piece of property they own. Ruoff Insurance offers a variety of comprehensive homeowners insurance policies to choose from and these plans can be tailored to suit your individual needs and budget.

Deductible

Paying for smaller claims yourself allows you to lower your homeowners insurance premiums by choosing a higher deductible. We offer a choice of deductibles, including:

• Multi-policy – By insuring your auto and home with us, you will receive a discount on your auto premium as well as your homeowners insurance premium.
• New home – Receive a discount if you live in a new home.
  
• Premises alarm – This discount is applied to your premium if you have smoke detectors installed in your home.
  
• Sprinkler system credit – If you install and maintain a sprinkler system, you will receive a credit on your homeowners premium.

Ruoff Insurance offers a variety of optional coverages to meet your individual needs and these can be added to your homeowners policy by endorsement for a minimal additional premium:

• Expanded endorsement – You can increase the special amounts listed under the personal property coverage section of your policy.
• Enhancement endorsement – This endorsement increases the special amounts to even higher limits and includes these additional benefits:

Payment for direct loss caused by water or sewage that backs up through sewers or drains.

Payment up to an additional 10 percent of the amount on dwelling coverage for loss to trees, shrubs, plants and lawns on the residence premises.

Waiver of deductible shown on the policy declaration page for any loss from covered peril exceeding $50,000.

• Earthquake coverage
  
• Nurse's professional liability
  
• Personal computer coverage
  
• Replacement cost on personal property

If you would like a comprehensive review of our homeowners insurance program, please contact us.