Independent Insurance Brokers - Auto/Home, Commercial, Life/Annuities
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Homeowner's Insurance - HO-1, HO-3
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HO-1: Basic Named Perils Policy

The HO-1 Home Policy is the most basic and simple protection you can have. This policy will only protect you from 10 specific perils. If something happens to your home other than these ten perils, you are not covered. The ten perils are:
  1. Fire or Lightning
  2. Windstorm or Hail
  3. Explosion
  4. Riot or Civil Commotion
  5. Aircraft
  6. Vehicles (unless caused by the insured)
  7. Smoke
  8. Vandalism or Malicious Mischief
  9. Theft (limit of liability on HO-8 is usually $1,000)
  10. Volcanic Eruption

HO2: Broad Named Perils Policy

The HO-2 Home Policy provides broader coverage than the HO-2 policy. It still explicitly lists every peril you are protected against, but the list adds six more perils. This protection covers both your dwelling and your personal property. The sixteen perils are:
  1. Fire or Lightning
  2. Windstorm or Hail
  3. Explosion
  4. Riot or Civil Commotion
  5. Aircraft
  6. Vehicles
  7. Smoke
  8. Vandalism or Malicious Mischief
  9. Theft
  10. Volcanic Eruption
  11. Falling Objects
  12. Weight of Ice, Snow, or Sleet
  13. Accidental Discharge or Overflow of Water or Stream
  14. Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging
  15. Freezing
  16. Sudden & Accidental Damage from Artificially Generated Electric Current 


We offer insurance policies in various states.  Contact us for consultation and quotes.

We work with the main auto/home, commercial as well as life insurance/annuities carriers.  Shop with us for quality brands and pricing.



The right insurance is a nexus to peace of mind.

Let our team assist you with focusing on your tomorrow. 

A quality insurance policy helps to protect your assets and your legacy.  Don't skimp on your greatest asset - YOU.  Let us be your advocate for a policy(ies) that aligns with your objectives and overcomes your concerns.  Try our quoting platforms to shop around. Then reach out to us. We are here for you. 

Contact Us  -

856-873-2376
[email protected]

  • Home
  • About Us
  • Our Services
    • Commercial Insurance
    • Cyber Liability
    • Landlord's Insurance >
      • Dwelling Insurance
    • Homeowner's Insurance >
      • HO - 1, HO -2
      • HO-3 , HO-5
      • HO-4, HO-6
      • HO-8
    • Life Insurance
    • Professional Liability >
      • Directors and Officers
    • Umbrella Policies
  • Connect the Dots
  • Contact Us