Brightway Insurance

Homeowner’s Insurance

Your house has always been more than a house… it’s a kitchen where family and friends gather, a living room for living, and bedrooms where dreams are made. Brightway Insurance can help you protect your most significant investments in your home - your comfort and security - with a homeowner’s insurance policy.

Protection for Your Home and Property

Things happen. Storms, theft, accidents. Insure the integrity of your home and the living that goes on inside with this valuable protection:

  • Fire and lightning
  • Windstorm and hail
  • Weight of ice or snow
  • Structural collapse
  • Smoke damage
  • Falling objects
  • Damage by freezing
  • Explosion
  • Theft on or off premises
  • Vandalism and mischief
  • Accidental overflow from plumbing
  • Damage by accidental cracking or bursting of hot water heating units
  • Accidental electrical damage to appliances
  • Damage by vehicles and aircraft
  • Riots

Comprehensive Coverage (Home)

From Mother Nature to Mr. Fix-it, these additional coverages may protect you against any direct physical loss to your home except those specifically excluded by the policy you choose. Some examples:

  • Water damage
  • Chemical spills
  • Scorched surfaces
  • Glass breakage
  • Interior damage by melting ice and frozen snow
  • Damage to floor from paint spills
  • Chipping of sink or tile
  • Damage to underground pipe from excavating

Other Important Coverages & Options

For extra protection against the unexpected, you may choose to add these optional coverages to your policy that may require additional premium:

  • Damage to trees and shrubs
    from specified perils
  • Replacement locks when keys are stolen
  • Loss of Use
  • Consequential loss
  • Pets on premises
  • Credit card forgery
  • Inflation protection
  • Reasonable repairs
  • Building additions and aterations
  • Sewer or drain backup
  • Replacement cost contents
  • Replacement cost plus on dwelling
  • Ordinance or law
  • Loss assessment (Homeowners Associations)

Protection for Yourself and Others in Your Home

Up at 7. Dinner at 6. Normally things at home run like clockwork. But for the times when the unexpected happens, like an accident or injury on your property, or damage to a neighbors property, we’ll help you rest easy with these coverages:

  • Personal Liability coverage may protect you and your spouse or any relatives living with you and anyone under age 21 in your care
  • Protection against claims you’re legally obligated to pay - bodily injury, sickness, disease and death
    of others
  • Protection for boats you may own or in your care (depending on the type, size and horsepower a separate policy may be needed)
  • Cost of defending claim against you (see policy)
  • Damage to property of others
  • First aid expenses of others
  • Accidental death benefits

 

Optional Coverages

Some optional coverages you may want to consider:

  • Personal Injury Protection
  • Libel
  • Slander
  • False Imprisonment
  • Wrongful Eviction

*Coverages are subject to underwriting guidelines and approval and may not be available in all states.

Homeowners Insurance Discount

Brightway Insurance shops the national carriers to bring you the best coverages at the best rates. And you can lower your premiums further with these special discounts* if you qualify:

  • Install monitored fire and burglary alarms
  • Install ultrasonic local burglary alarms
  • Have fire extinguishers available throughout
    your home
  • Install deadbolt locks on all exterior entryways
  • Install sprinklers

Mulit-policy Discounts when you have both your homeowners and automobile insurance with Brightway.

*State availability may vary.