Homeowner Insurance


The homeowners policy is a complete package which covers your dwelling, other structures, loss of use, personal property, personal liability and medical payments.  It is extremely important that you insure your home to cover the replacement cost in the event of a total loss.  We at Ives strive to make sure that your dwelling, personal property and your family is fully protected when we evaluate your home.

Other structures

For structures that are not attached to the dwelling, up to an extra 10% of the dwelling limit.  Additional limits are available.

Personal Property

This includes furniture, household goods and personal belongings such a clothing, entertainment electronics, sports equipment and hobby articles to name only a few.

There are special coverage limits on certain items such as furs, jewelry, money and securities.  Additional limits on these items may also be purchased.

Personal liability

If you are liable for the accidental bodily injury or property damage incurred by others, your policy protects you.  Premises medical payments coverage is also included to cover injuries to guests on your premises, whether or not you are liable. 

Loss of use

If a fire or other covered loss causes you to have to temporarily move out of your home, reasonable additional living expenses will be covered from the costs you incur.