Homeowners Insurance
Eligible ages:
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Minimum Age: 10 Years
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Maximum Age: 65 Years
Homeowners Insurance
Your Homeowners Insurance Policy covers your home and your belongings, the items you own that you have collected, held, and saved over the years. The policy also provides liability coverage for injury to others on the premises for which you may be legally liable.
NLC’s Homeowner policies include the following:
Download resources
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Building
Coverage for the home owned and occupied by the policyholder.
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PersonalProperty
Personal property is covered up to a percentage of the home coverage amount.
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Other Structures
Other structures on the insured location are covered up to a percentage of the home coverage amount.
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Loss ofUse
Extra expenses in the event an insured loss renders the house uninhabitable are covered up to a percentage of the home coverage amount.
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PersonalLiability
Liability coverage is provided for injuries to others on the premises for which you may be legally liable.
Additional Coverages can include:
- Valuables, such as jewelry, fine arts, and silverware may be itemized in your policy.
- Replacement Cost on Contents covers personal property at replacement value without a deduction for depreciation.
- Extended Replacement Cost will pay for the cost to rebuild a destroyed build even if the cost exceeds the amount of coverage up to an additional percentage.
- Protection Plus endorsements provide a suite of additional coverages at a price that is lower than if the coverages are purchased individually.
- Homebased Business for certain businesses operated out of the house.
- Identity Theft provides highly experienced fraud specialists to assist in resolving your claim.
Ways to Save
Account Credit
Additional credits may be available when home, auto, and umbrella coverages are bundled & placed with NLC.
Higher Deductible Credits
Additional credits are available for higher deductible options.
Roof Age & Condition
The age and condition of the roof, home exterior and premises have a direct impact on the premium charged.
Predict & Prevent to Save
There are many steps homeowners can take to prevent losses and reduce the cost of their Homeowners Insurance. Click here to learn more.
Other Types of Homeowners Insurance Include:
- Renters Insurance
- Condo Owners Insurance
Talk to the Experts
Find an NLC agent to learn more about our Homeowner programs and how we can provide a custom solution designed just for your needs.