Protect Your Home with Comprehensive Homeowners Insurance

Coverage for dwelling, personal property, liability, and more—so you can rest easy

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Comprehensive Homeowners Insurance

Your home is more than a building—it’s where memories are made. Peterman Insurance Services offers options for customizable homeowners policies that safeguard your dwelling, belongings, and liability exposure. Our attention to detail ensures you understand your coverage options and exclusions, so you can protect your investment and loved ones.

Dwelling Coverage

Covers your home itself and attached structures (garages, decks) against perils like fire, wind, hail, and lightning.

Personal Liability and Medical Payments
Pays legal defense and damages if someone is injured on your property, plus medical expenses for guests injured in your home.

Personal Property Protection

Reimburses you for personal belongings—furniture, electronics, clothing—when damaged or stolen, with options for replacement-cost coverage.

Your Homeowners insurance Questions, Answered

Find clear, concise answers to common homeowners insurance questions—so you know what’s covered, what’s not, and how to choose the right limits.

An HO-3 policy covers all “open perils” for your dwelling—meaning any loss unless specifically excluded—while personal property is covered for named perils like fire, theft, and vandalism.

Limits should reflect your home’s full replacement cost—not its market value. We’ll help you calculate rebuilding costs based on local construction prices and square footage. There are special rules for older and historic homes that may differ from standard coverage limits.

Replacement-cost policies pay to rebuild or replace items without deducting for depreciation. Actual cash value deducts depreciation, resulting in a lower payout.

Yes—common add-ons include Scheduled Personal Property (for high-value items), Water Backup coverage, Earthquake insurance, and Identity Theft protection.

Higher deductibles lower your premium by shifting more initial loss cost to you. Choose a deductible you can comfortably pay in the event of a claim.

ALE reimburses costs like hotel stays, restaurant meals, and storage fees if your home is unlivable due to a covered loss—helping maintain your family’s lifestyle.