Homeowners Protection

Home and Property Insurance guards a policyholder’s physical primary or secondary residence and its contents against loss or damage from perils such as fire, flood, theft, vandalism, hurricane, hail and lightning. It also covers an individual’s legal responsibility (liability) for any injuries people might suffer while on the covered property.

If you own a home, we offer several types of policies that might fit your specific needs. We give you the option to choose the coverage you want and help you tailor them to give you maximum protection for your insurance dollar. Coverage to protect your property may be provided on a replacement cost basis (the amount required to repair or replace your home minus any depreciation) OR Replacement Cost coverage can be afforded therefore offering an extended dwelling replacement along with replacement of contents with no depreciation.

You can also purchase additional coverage for valuable personal property such as jewelry, watches and furs. Coverage for collectibles worth over $1,000 including musical instruments, cameras, computers and other equipment may be specifically scheduled. Typically items over $2,500 might require an appraisal.

Additional coverages are available for property such as personal computer equipment, business property, jewelry, bicycles, cameras etc.

We at Lawson Hawks Insurance can handle numerous substantial and complex exposures. Flexible coverage can be provided for mid to high-value properties, older homes, secondary/seasonal residences, rental properties (long and short term) builders risk and homes with prior losses.