Homeowners Insurance

At Central, we know that homeowners insurance is about so much more than just your house. That’s why we offer a wide variety of quality, affordable homeowners insurance coverages to help meet your insurance needs and provide exceptional value for your insurance dollar.

Central’s Homeowners Policy provides insurance protection at an affordable price. Protection for covered losses to your home, your personal property, and other structures such as a detached garage or shed is provided. Personal liability coverage and medical payments to others complete the policy.

Need more homeowners insurance? Then check out our specialized coverages for your home:

• Plus Ten
• Summit Homeowners Policy

Condo, Rental, and Dwelling Coverages
Central also offers policies uniquely designed for condo owners, renters, and rental dwelling owners. Our special line of coverages include:

• Condo Owners Insurance
• Summit Condo Owners Policy
• Renters and Dwelling Insurance
• Summit Tenant Policy

Home Business Plus
Those who operate a business out of their home face a unique set of exposures and require coverages not found on a typical homeowners insurance policy. For the business owner, Central offers the Home Business Plus Endorsement.

Additional Coverages
Many of us also need protection for those “extras.” Central offers a line of coverages perfectly suited for those additional risks such as excess personal liability, jewelry and other valuables, boats, and more. Your Central agent can work with you to develop an insurance policy designed to suit your needs.

• Boatowners Insurance
• Personal Inland Marine Insurance
• Personal Umbrella Insurance
• Identity Theft Coverage
• Equipment Breakdown Coverage

Customer Loyalty Credit
Central also offers credits and discounts for eligible policyholders. The Customer Loyalty Credit is a discount we use to reward policyholders who've been loyal Central customers. In general terms, once you’ve been insured with Central for at least two consecutive years, we apply a 2% credit to the renewal policy at the beginning of your third year. The credit gradually increases one percent a year until it reaches the maximum of 10% after ten consecutive years of longevity with Central. The 10% maximum credit continues on subsequent renewals and stays on your policy as long as you remain with the Central Companies. It’s our way of saying, “Thank you for your business!”

For more information about Central’s Homeowners Insurance Policy or any of our other quality, affordable coverages, or for an insurance quote, please contact your independent Central insurance agent.

Need a Central agent? Link to our convenient Agency Locator to find an agent in your area.

The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central Agent.