Homeowners Insurance

Protect your residential investment and your belongings. Homeowners insurance insures your home's safety and value and provides liability coverage against accidents both inside the house or on your property. Wilgus Associates' agents can help you find the right homeowners policy. 

Residential House


Homeowners Insurance Coverage

Your policy should include four main types of coverage:


Structure of Home

This type of coverage pays for the repair of rebuilding of your home in the event that it is damaged or destroyed by fire, hurricane, hail, lightening or other unforeseen disaster listed in your homeowners insurance policy.

Personal Belongings

The furniture, clothing, sports equipment, electronics and other personal items inside your home are covered if they are stolen or destroyed by fire, hurricane or other insured disaster listed in your insurance policy.

Liability Protection

Liability Protection covers your against lawsuits for bodily injury or property damage that you or your family members cause to others. It also covers the damage caused by your four-legged companions (pets). This portion pays for both the cost of defending you and any court awards.

Additional Living Expenses

If your home is damaged to the extreme of being unlivable, this type of coverage pays for the additional costs of living away from your home. It covers hotel bills, restaurant meals and other expenses incurred during the rebuilding of your residence.



File a Claim

We represent the leading names in the industry and we want you to be able to make your claim quickly and easily. The best way is to contact your insurance company directly. 

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Trusted for 75 Years

We are a family-owned independent insurance agency started in Sussex County in 1945. We are now in our fourth generation of successful family ownership. Put us to work for you.

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Do you need to make a change or need answers to insurance related questions? As your world changes, so do your insurance needs. We’re here to help you through it. 

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