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If you own your home, we offer several types of policies that might fit your needs. We give you the option to choose the coverages you want and help you tailor them to give you maximum protection for your insurance dollar. Coverage to protect your property may be provided on a replacement cost basis (the amount required to repair or rebuild your home with similar materials) or an actual cash value basis (the amount required to repair or replace your home minus any depreciation). Homesite's homeowners policies include the following protections:

  • Dwelling coverage up to the limits you choose to purchase.
  • Coverage for your personal property up to the limits you choose to purchase.
  • Coverage for structures in addition to your primary dwelling (such as storage sheds, boathouses, and pools).
  • Coverage for loss of use (reimbursing you for expenses for loss of use of your home caused by named perils).
  • Medical expenses (paying up to $1,000 per person if someone is injured on your property).
  • Liability exposures (protecting you against certain risks up to $100,000 per accident for bodily injury or property damage).
  • Higher limits of liability and medical expense coverages are available for a small charge.

Policyholders may also purchase additional coverage for valuable personal property such as jewelry, watches and furs. Coverage for collectibles worth over $1,000 including musical instruments, cameras, computers and other equipment may be specfically scheduled. Items over $2,500 will require an appraisal.

Additional coverages are available for property such as personal computer equipment, business property, jewelry, bicycles, cameras, etc.

"Consider getting a written appraisal included in your policy to ensure you receive full value in case of loss."


"Many collectors consider purchasing additional coverage because it is the only way to guarantee full replacement of their valuables if stolen."

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*21st Century is not affiliated with Homesite Insurance. The 21st Century Homeowners Insurance Program is underwritten by member companies of the Homesite Insurance group, a leading provider of homeowners, renters and condominium insurance. Member companies include: Homesite Insurance Company, Homesite Indemnity Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Illinois, Homesite Insurance Company of the Midwest, Homesite Insurance Company of New York, Homesite Insurance Company of Pennsylvania, and Homesite Lloyd's of Texas.
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