Homeowners Insurance (HO3)

Your home is one of your largest investments and you'll want to be sure it's properly insured at a reasonable cost. At People's Trust, it is our goal to provide you with solid coverage at an affordable price.

We offer an easy option to get a quote and check out what we can do for you:

You can contact one of our knowledgeable Sales Representatives at 1-888-524-6003, Option 1 They are standing by to give you a customized quote and the opportunity to purchase your homeowner policy over the telephone. Please have your current homeowners policy documents and windstorm inspection documents available when you call to give you the most accurate quote possible.

Homeowners Insurance Basics

At People's Trust, we offer a full range of insurance coverage to protect you, your family, your home and your possessions.

Insuring Your Home

The People's Trust homeowner policy is designed to protect your home and other structures on your property (like a separate garage or storage shed). Our policy protects these properties against many types of accidental loss, including, but not limited to:
  • Fire or smoke
  • Windstorm or hail
  • Theft
  • Vandalism
  • Water (excluding Flood)

Insuring Your Personal Property

Our policy protects your personal possessions, such as clothing and furnishings. Most homeowner policies automatically include coverage for your personal property at Actual Cash Value (which means that your lost or damaged property will receive only a depreciated value at the time of a loss.) If you select our Replacement Cost coverage, for an additional premium, we will settle losses to your personal property at today's replacement cost (without considering depreciation) subject to policy limits, terms and exclusions (all specifically listed in your policy).

Providing Additional Living Expenses

In the event of a covered loss that makes your home unfit to live in, we'll provide coverage for reasonable and necessary additional living expenses you may incur until your home is repaired, subject to your policy limits.

Insuring Valuables

If you own high value items of jewelry, furs, silverware or fine arts, we have additional coverage available for these items. Ask your Sales Representative for details.

Providing Liability Coverage

Our policy protects you and your family (who reside with you at your home) should someone pursue a claim or lawsuit against you for their bodily injury or property damage, subject to the policy limits, terms and conditions of the policy.

Note: Any details of the coverage and programs we provide are necessarily abbreviated in these pages. All coverage is subject to the provisions, limitations and exclusions stated in the policy contract. Any claim will be evaluated on its own merits. For a complete explanation of coverage, please consult one of our sales representatives.

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