A D&H Insurance Group Standard Homeowner's Policy protects a home and its related structures from a variety of risks, including lightning damage, rain and wind damage, damage by a vehicle, fire and smoke damage, broken waterline damage and vandalism. We recommend insuring a structure on a replacement value basis, which provides the funds necessary to rebuild a home with the same quality materials that were in the original structure, but at today's costs. A Standard Homeowners Policy will replace personal items that are damaged or stolen, such as furnishings, appliances and jewelry. Should someone be injured on your property due to negligence, no matter how innocent or unintended, it will protect against claims up to the limits of the policy and also provide medical payments regardless of who is at fault.

Individual Homeowner's Application Form