Homeowners
We understand that for many people, their home is their largest investment. Proper homeowners insurance is essential to protecting not only your property, but also your personal belongings and financial security. At ISU Elite Insurance, our agents take the time to review your individual exposure and evaluate coverage options across our carrier partners to help you secure protection at a competitive price.
We also offer access to specialty homeowners insurance programs designed to address unique or higher-risk properties.
Our Specialty Home Programs Include:
- Seasonal and Vacation Homes
- Vacant Homes
- Older and Historic Homes
We proudly offer coverage solutions in all 50 states.
Standard Homeowners Insurance Coverages
Dwelling & Other Structures
Provides coverage for damage or destruction to your home and unattached structures such as fences, detached garages, and storage sheds.
Personal Property
Covers the contents of your home, including furniture, clothing, appliances, and personal belongings if they are stolen, damaged, or destroyed.
Personal Liability
Helps protect against financial loss if you are found legally responsible for bodily injury or property damage to others.
Medical Payments
Covers medical expenses for people injured on your property, and in some cases, certain incidents that occur away from the home, such as dog bites.
Loss of Use (Additional Living Expenses)
Helps pay for additional living expenses if your home becomes uninhabitable due to a covered loss. Most standard policies provide coverage equal to 10–20% of the dwelling limit.
-Optional Homeowners Insurance Coverages
Scheduled Personal Property Endorsement
Also known as a personal articles floater, this coverage provides additional protection for high-value items such as jewelry, furs, firearms, stamps, coins, computers, and antiques. Items are individually scheduled, and coverage often applies without a deductible.
Increased Limits on Money & Securities
Provides higher coverage limits for money, bank notes, securities, deeds, and similar items.
Secondary Residence Premises Endorsement
Extends coverage to a secondary residence, such as a summer or vacation home. Coverage for secondary homes is not automatically included under a primary homeowners policy.
Watercraft Endorsement
Expands personal liability and medical payments coverage for eligible sailboats and small motorboats.
Credit Card & Depositors Forgery Coverage
Provides protection if credit cards are lost, stolen, or used without permission, or if checks or financial instruments are forged. Coverage terms and limitations apply.