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Home Insurance

At Dakin, you can count on our homeowner's policy to feature built-in cost-saving opporutunities. In fact, Dakin offers some of the highest premium discounts available.

To find out what discounts you might qualify for, fill out the short questionaire below: Check the box if the answer is yes.
Are you or your spouse 50 or older and no longer employed full-time?

Is your house less than 10 years old?

Is your home protected by security equipment, such as smoke alarms, fire extinguishers and deadbolts?

Do you have a monitored security system?

Do you have auto or other insurance policies with Dakin?

Have you completely remodeled an older home?

Do you have an above average credit rating?

    Common Terms:

  • Dwelling: Covers the dwelling and structures permanently attached to the dwelling.

  • Dwelling Replacement Cost: In the event of a natural disaster, this coverage will provide you additional protection above your policy limit to help replace your home (subject to policy limitations).

  • Other Structures: Covers buildings on the described premises that are separated from the dwelling by a clear space.

  • Personal Property: Covers unattached contents owned or used by an insured at the residence premises. (Coverage for personal property off premises varies. Please see your agent for details.)

  • Personal Property Replacement Cost: Allows you to replace damaged or stolen household items at today's retail prices, regardless of their orginal cost (up to your policy limit).

  • Loss of Use: If your home is uninhabitable as a result of a covered claim, this coverage will pay for normal living expenses you incur as a result of living elsewhere.

  • Personal Liability: Covers if you, a family member or your pets become legally responsible for accidental bodily injury or property damage on your premises or elsewhere. (Does not include automobile or business liability.)

  • Medical Payments: Covers actual medical expenses for accidental injury to others (excluding household residents) caused by you, family members or your pets, regardless of legal liability.

  • Deductible: The portion of a property claim that you are required to pay before the company will pay for a covered accident.

  • Special Personal Property: No specific causes of covered loss are named in the policy. Thus, the burden is on the insurance company to show that a loss is excluded rather than on you to show that some specifically named cause of loss damaged your property.
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