Homeowners Insurance

Homeowners Insurance

For many individuals, a home is your most important asset. It offers a feeling of safety and security, and it represents so much more. We know you take pride in your home and we do too! The IMT Homeowners program will help you recover, repair, and rebuild when a loss occurs.

Enhanced & Optional Coverages

Provided if your home becomes uninhabitable from a covered peril.

  • Dwelling, Garage, and Other Structures

Mechanical breakdowns, electrical breakdowns, and power surges to your items of real or personal property.

Medical expenses of others when they are injured on your premises, regardless of fault.

Protection for anywhere in the world.

Provided for your home and other insured structures if insured for at least 80% of their replacement cost.

Provides broad protection for valuable items of personal property such as jewelry, fine arts, musical instruments, or other types of property.

Loss or damage to underground piping or wiring that provides electrical power, natural gas, waste disposal, water, internet access and telecommunications.

Provides coverage for water damage caused by sewer or drain back up or sump pump overflow.

Available Discounts*

  • Age of Home/Components
  • Claims Free
  • Financial Stability
  • Hail Resistive Roof
  • Loyalty
  • Multi-Policy
  • Protective Device

*Some discounts may apply to select individuals or coverages and availability may vary by state.

Gem Homeowners

Do you own a home with a replacement cost of $175,000 or higher? You may be eligible for the Gem Homeowners policy! The Gem policy provides a number of coverages in which other companies may charge additional premium.

If you have more than one personal lines policy with us and your loss affects multiple policies, we will waive all but the highest applicable deductible.

Up to $1,000 will be paid for information leading to the conviction of perpetrators responsible for arson to your property.

If you experience a covered property loss (other than wind or hail) in excess of $20,000, your deductible will be waived.

Material costs and labor to repair or replace your property is often higher than expected and can inflate quickly after natural disasters. Accordingly, we will pay up to 25% more than your policy limit, if necessary.

Up to $1,500 will be paid if the fire department is called to save or protect your covered property.

If your keys or transmitters are stolen or your locks are damaged in a covered theft loss, up to $1,000 will be paid to replace any home locks or garage door transmitters. A special $25 deductible applies.

Protection against accidental libel, slander, wrongful entry, or invasion of privacy.

Coverage provided up to $500 for injury or death to your dog or cat as a result of a covered loss to your residence premises.

Coverage for money is increased from $200 to $1,000, coverage for securities is increased from $1,500 to $5,000, and coverage for business property on the residence premises is increased from $2,500 to $10,000.

Find out more about our Homeowners policy and obtain a free quote by contacting your local IMT Independent Insurance Agent!

This is a brief summary of coverage and is intended only as an aid in selecting a policy. Review the actual policy for details on all coverages, terms, limits, conditions and exclusions, or contact your IMT Independent Insurance Agent for complete details.

AM Best Better Business Bureau Facebook YouTube Google Plus Linked In