Home Insurance

Protect your home and assets with coverages for a variety
of living situations. Rutkousky Agency offers Homeowners,
Condo, Renters and High Value Home Insurance.

Home Insurance

Protect your home and assets with coverages for a variety of living situations. Rutkousky Agency offers Homeowners, Condo, Renters and High Value Home Insurance.

We will find the best insurance policy to fit your budget and your needs. Request a quote >>

Request a quote >>

Homeowners Insurance

Protect your home and personal property with a Homeowners Insurance Policy. Rutkousky Agency can help you find the perfect policy to fit your budget and needs. We know your house is much more than just a building. Investing in a home is likely one of the most significant capital expenditures you’ll make in a lifetime, therefore important to make sure it’s protected. Homeowners insurance doesn’t just protect your house though, it also covers things like personal property, medical costs if a guest is injured while at your home and even damages you may cause to someone else’s property.

REQUEST A QUOTE

Common Homeowners Insurance Coverages

Please contact an agent for a comprehensive explanation or with any questions.

Common Homeowners Insurance Coverages

Please contact an agent for a comprehensive explanation or with any questions.

Dwelling

Dwelling Coverage is a part of your homeowner’s policy that protects your “dwelling” from hazards like fire, wind, water and hail. “Dwelling” refers to your house as well as any structures attached to it, like a deck, attached garage or porch. It’s important to note that Dwelling Coverage does not cover unattached structures like a stand-alone garage.

Other Structures

Other Structures Coverage protects structures on your property that are not attached to your house. This would include unattached garages, above-ground pools or sheds. Coverage can be increased to fit your needs.

Personal Property

Personal Property Coverage protects your personal possessions. Under this coverage, your belongings in your home would be covered. This could include furniture, appliances, clothing, etc.

Loss of Use

Loss of Use Coverage covers you and your family’s temporary housing expenses if you’re displaced from your home due to a covered claim. This type of coverage would take care of the temporary housing expenses associated with being displaced and may also include the housing or temporary housing for animals.

Medical Expense

Medical Expense Coverage is the part of your policy that would help cover medical costs if a guest injured themselves on your property regardless if it was your fault. For example, if someone trips on your front porch steps, their medical costs could be covered under this part of your policy.

Liability

Liability protects you and your family members if you are held legally responsible for someone being injured on your property. It also protects you or a family member if you accidentally damage someone else’s property when away from home.

Scheduled Personal Property

Standard homeowners’ policies place limits on the value of certain types of property, such as precious metal, jewelry, antiques, instruments or firearms. Scheduled Personal Property Coverage is a supplemental coverage that allows homeowners to more fully protect the value of these items.

Condo Insurance

If you own a condo, your association’s insurance policy may not be enough to cover you. Typically, condo and townhouse owners are responsible for the interior of the unit, from the walls in. Your association usually only insures the outside structure and common areas. A Condo Insurance Policy will provide coverage for your belongings, damages and the interior of the condo.

REQUEST A QUOTE

Renters Insurance

If you rent your home, you may assume your building owner or landlord’s insurance policy will cover you and your rented property. It doesn’t. If you rent an apartment, condo or home, it is essential you protect yourself and the items you own. Not only does a Renters Insurance Policy protect your belongings, it will also protect you against claims if you are held liable. Rutkousky Agency offers customized coverage options to assist you in making sure all of your personal property is properly covered.

REQUEST A QUOTE

High Value Home Insurance

If you own a highly valuable home (worth $750,000 or more) or have a large amount of valuable assets, a typical homeowner’s policy may not be right for you. A High Value Home Policy can opt for more extensive coverages than typical homeowners’ policies, ensuring your assets are appropriately and adequately protected. Some of the ways high value home insurance differs from a typical policy include greater limits and additional coverages. Please contact us for additional information.

REQUEST A QUOTE