Property Insurance

Protection of your Investment.

What is it?

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can help protect your investment and your personal property from whatever life throws your way.

Personal Property

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Types of Damage

Property Insurance may insure your home from the following types of damage:

Fire and Lightning
Collisions from Vehicles or Aircraft
Hail
Sewer/Drain Backup
Windstorm
Vandalism
Volcanic Eruption
Smoke
Freezing Conditions or Snow

Builder's Risk

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Dwelling Replacement Coverage

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with AG360 Insurance before making a decision.