Homeowners (HO-3 Policy)
Local Knowledge Builds a Better PolicyWhen it comes to insurance, a little local knowledge goes a long way. A Glenn’s Insurance Agent lives and works in your neighborhood, so they have a clear picture on how you live your life - and what it takes to keep things worry free. Get started by contacting one of our agents.
Coverage That’s All About You
Shaping the perfect is all about how and where you live. A Glenn’s Insurance Agent will help you sort it all out – and provide a jargon-free explanation of every aspect of your coverage.
Homeowner Policies provide a combination of property and personal liability coverage - and covers loss of use resulting from damage arising from several causes such as weather losses (i.e. wind, hail, rain, hail), fire, smoke, theft, vandalism and malicious mischief, and falling objects.
Covered property includes:
Dwelling – The house structure itself
Other structures – These are structures or buildings that are not attached to your home, such as a tool shed or detached garage.
Personal property – The contents of your home are your personal property. This coverage protects your furniture, appliances, televisions and clothing.
Loss of use – When a loss occurs and you're no longer able to live in your home, the cost of additional living expenses are covered.
Personal liability – Provides coverage for compensatory damages if you’re legally liable for someone else’s bodily injury or property damage as a result of an accident. Examples of bodily injury, property damage and medical expense coverages may include:
- Medical expenses for others’ bodily injury caused by an accident on your premises, such as slips and falls
- Liability to others
- Liability due to unpaid volunteer services
- Damage caused by negligence of children, acts of pets and sporting activities