Protecting your Investment

Key Benefits

• Protect your Property
• Protect your Possessions
• Protect your Family

Capabilities

Johnston & Liberty Insurance offers Homeowners Insurance that will protect you, your investment in your home and it's contents.

Your Property:

 Coverage for damage to your home, condo and other buildings on your property, such as garages, storage sheds, etc; and protect against most common hazards, including fire, smoke, explosions, weather damage, vehicle damage, theft and vandalism

Your Possessions:

Coverage for damage to or theft of your belongings both at home and away from home

Additional Living Expenses:

If a loss makes your home uninhabitable, our coverage pays living expenses for you and your family to live elsewhere while repairs are made

Programs to Meet your Needs:

We also offer optional coverages designed to meet your specific insurance needs, including

Guaranteed Replacement Cost:

Dwelling - This covers the actual cost of replacing your home, no matter what the original cost or policy limits may be.  Some conditions apply.

Replacement Cost:

Personal Property - This coverage allows you to have damaged or stolen household and personal items repaired or replaced at today's prices.  Special limits may apply to some items.

Scheduled Personal Property:

You may purchase itemized coverage on valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts and antiques for added protection.

Home Computer Coverage:

Protect your personal computer, related equipment and software with this optional endorsement.

Special Discounts

As a loyal and conscientious homeowner, you may qualify for special discounts.

Account Credit:

Save up to 10% if you have both your Homeowners and Automobile policy with the same carrier.

Renewal Discount:

As a loyal policyholder you are rewarded with discounts for renewing your policy with our carriers.

New Home Discounts:

Sizeable Discounts are available for newer homes.

Loss Free Discount:

If you remain loss free for five or more years, while insured with us you may receive a discount.

Protective Devices Discount:

When you safeguard your home with security and safety devices such as deadbolt locks and smoke detectors, additional savings are available.

Payment Options

A variety of billing plans are available to meet your budget:

• Credit Card Payments
• Convenient Installment Plans