Homeowners Program

Home. It is one of your prized possessions that you have worked hard for.

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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.


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
Branding Accent

Water damage from a burst or frozen pipe can be expensive to fix. We can help protect your home and offer you the peace of mind you deserve.

Find an Agent Today!

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This is not all! Please contact your local independent insurance agent to learn about additional coverages offered by Utica First

Contact Us Today!

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Distance: within 15 miles

States we serve: CT, FL, MA, MD, NJ, NY, OH, PA, VA

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