Founded in 1864. An employee-owned company.

Homeowners Insurance

The biggest investment most people will ever make is their home. That’s why it makes sense to protect your investment, and your future, with a comprehensive homeowners plan. Each home and property are unique, and Marshall & Sterling can customize a homeowner’s policy to meet your specific needs.


Homeowner’s Insurance Coverage:

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special features you can choose for additional security

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Form
  • Scheduled Property

Scheduled Personal Property (SPP) is a convenient way to help protect your valuable personal property. A certain amount of personal property protection is available under your homeowners, condominium, mobile home or renters insurance Policy, but did you know your personal property protection has limits under these policies? Scheduled Personal Property is an endorsement to your homeowners, condominium, mobile home or renters insurance policy. For an additional premium, SPP provides coverage for loss or damage to certain categories of personal and business personal property items whose value or risk potential exceeds the personal property coverage available under homeowners, condominium, mobile home or renters insurance, or under other Optional Coverage Endorsements.