Morrow Insurance and Professional Services

HOME-OWNERS INSURANCE

Protect your home and property
You've worked hard for what you have. Your house is more than a place for your things. It's your home. Protect your house and personal property with the right home insurance coverage from The Morrow Insurance Agency. Get a home owners insurance quote.

Protect your home from damage and theft

Fire and lightning
Windstorm and hail
Weight of ice or snow
Smoke damage
Falling objects
Freezing damage
Theft
Vandalism
Accidental overflow from plumbing
Accidental electrical damage to appliances
Damage by vehicles

Protect yourself, your family and others

Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
Protection against claims you're legally obligated to pay
Payment of the cost of defending claims against you
Medical expenses of others
Accidental death benefits

Homeowners Insurance Coverage

Homeowners insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these additional homeowners insurance coverage options to tailor a policy that's right for you.

Scheduled personal property - Provides additional homeowners insurance coverage for high value items such as jewelry, watches, antiques and fine art.

Replacement cost plus - Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home - and additional money is needed to rebuild.

Extended replacement cost on contents - Pays to replace or repair personal property without depreciation being taken from the value of the property.

Water backup of sewer - Broadens the coverage for loss due to water backup through sewers or drains.

Ordinance or law - Pays for increased expense to rebuild due to current building codes or ordinances.

Homeowners insurance discounts

There are lots of ways to save on homeowners insurance with Nationwide. We offer discounts for:

Monitored fire and burglar alarms
Local ultrasonic burglar alarms
Fire extinguishers
Deadbolt locks on all exterior entryways
Sprinkler systems
Condo insurance combined with auto insurance or other Nationwide policies

*Save on your homeowners insurance when you qualify for any of the below homeowners insurance discounts.

Home and car discount - *Combine and save. Get up to a 20 percent discount on your home policy when you insure your car and home with the same carrier.

Protective device discount - *Get up to a 15 percent discount if your home has smoke detectors, fire alarms, burglary alarms or other qualifying devices.

Claims-free discount - *Get up to a 20 percent discount when you stay claims-free.

Age of construction discount - *Get up to a 30 percent discount based on your home's age.

Age of insured discount - *Get up to a 15 percent discount if you are 60 or older.

Personal status discount - *Get up to a 5 percent discount if you are married or widowed.

*Discount percentages are not applicable with all insurance carriers.