At Utica First Insurance, we also work hard to protect what's important to you. How? By providing you with valuable coverage that offers you the peace of mind that you deserve. Take a look below to learn more.
Standard Homeowner Policy Coverages:
Dwelling coverage
Coverage to repair or rebuild your home.
Other Structures Coverage
Coverage to repair or replace an outbuilding on your property, such as a shed or detached garage.
Personal Property Coverage
Coverage for your belongings, such as furniture, electronics, clothes, and more.
Liability Coverage
Coverage for bodily injury or property damage that you are legally responsible for.
Loss of Use Coverage
Coverage to help pay additional living expenses that are incurred if you are unable to live in your home while it is being repaired/restored after a covered loss.
Optional Coverages:
Equipment Breakdown
Coverage for mechanical, electrical, and pressure systems breakdown, which are typically excluded or limited in a standard homeowner policy.
Service Line Coverage
Coverage for underground piping or wiring that provides electrical power, heating, natural gas, waste disposal, or water to their homes.
Scheduled or Blanket Jewelry
Coverage offered for the damage or loss of your jewelry items.
Home Based Business
Coverage for your property and liability exposures of a small business that is conducted in your home.
Bundled Coverages
We have multiple "package" endorsements that offer many valuable coverages all rolled into one – at a discounted price.
Boat
Coverage for your watercraft, motor, and trailer/accessories.
Discounts Available:
- Homes that have been recently renovated
- New Home Discounts
- Central Station Alarm Credits
- Higher Deductible Credits
