Residential Home Owners Insurance

At RF&G Insurance, we offer protection for the roof over your head and everything under it! Our Homeowner's Insurance Policies protect you from loss or damage to both your home and its contents from a wide range of perils including Hurricane, Fire, Flood and even Burglary. Our policies were created with the customer in mind and are designed to suit the type of home you own.

Your Home

The home that you live in will most likely be the largest investment you make, so be sure to protect it with an RF&G Homeowner's Policy. To be certain your home is adequately insured, get an appraisal or survey done on the building, and be sure to include any other structures such as a swimming pool, fence, patio, or pier. If you are unsure about how much your home should be insured for, contact us or any one of our Agents countrywide to help you make sure you are fully protected.

Contents

What's inside your home can be just as important as the walls and roof that make up the outside. Make a list of all your personal belongings and how much it would cost to replace them. It is important to have enough insurance to cover everything.

 

You might need to list valuable items separately. Some policies don't cover these items, or limit how much you can claim to replace them. A valuable item might be a big screen TV, a brand new Laptop, or paintings and other valuable pieces such as carvings, statues, jewelry, etc.


It is a good idea to have some photos, receipts, or other evidence of the value of the items you are insuring. This will help if you are making a claim by verifying what you had stated.


Do I need to insure my building to insure my contents?
If you rent your home or only need to insure your belongings, Home Contents Insurance can help.


Click on the tabs below to read more about each coverage:

Fire, Lightning, Explosion Only
Fire & Associated Perils including Catastrophic Perils
Fire & Associated Perils excluding Catastrophic Perils
Householder's Comprehensive

Fire, Lightning, Explosion Only 

This policy covers damages caused to your personal property by perils such as:

  • Fire (including bushfire)
  • Lightning 
  • Explosion 

The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.

 

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Fire & Associated Perils Including Catastrophic Perils

This policy covers damages caused to your personal property by such perils as follows:

  • Fire (including bushfire) and Lightning.
  • Hurricane, Windstorm, Rainstorm, Tornado, Earthquake, Volcanic Eruption and Tidal Wave
  • Flood, Heavy Rainfall and Sea Surge
  • Riots, Strikes and Malicious Damage
  • Aircraft Explosion, Impact
  • Burst Pipes

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Fire & Associated Perils excluding Catastrophic Perils

This policy covers damages caused to your personal property by such perils as follows:

  • Fire (including bushfire) and lightning,
  • Riots, strikes and malicious damage
  • Aircraft, Explosion, Impact
  • Burst pipes

The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.

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Householder’s Comprehensive

This policy covers damages caused to your personal property by such perils as follows:

  • Fire (including bushfire) and Lightning.
  • Hurricane, Windstorm, Rainstorm, Tornado, Earthquake, Volcanic Eruption and Tidal Wave
  • Flood, Heavy Rainfall and Sea Surge
  • Riots, Strikes and Malicious Damage
  • Aircraft Explosion, Impact
  • Burst Pipes
  • Burglary & Theft (accompanied by actual forcible & violent breaking into or out of a building) - subject to adequate security

Policy can also be extended to include All Risk cover for specific Items, Public/Personal Liability cover and Loss of Rent or Cost of Alternative Accommodations.

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Stop! Before you buy you should know...
The “Average Clause” What is it? Why is it important for you to understand? Find out >