Homeowners’ Insurance

Homeowners insurance protects a home and belongingsInsure your home and possessions with Hewitt Insurance.

As an independent agent we can save you time and money on Homeowners Insurance. We have many different brands to choose from so we can shop the best rate for you. Some of the types of Insurances relating to homes that we offer include: Homeowners’ Insurance which is also known as Property and Casualty Insurance, Condominium Insurance, Renters Insurance, Specialty Homeowners and Dwelling Fire Insurance.

We research your best Homeowners Insurance Choices.

siu-logoSouthern Insurance Underwriters

PAYMENT OPTIONS include: Mortgagee Bill, SIU Direct Bill, SIUPREM Premium Finance, Pay in Full, Online Payment
(Credit Card, Debit Card, ACH)
E-SIGNATURES- For agents and Insured, Application with PDF, Siuprem PFA, remote sign from our secured site

HO3 Coverage

  • Builders Risk/ COC
  • P/C 1-10 available
  • Seasonal & Secondary dwellings
  • Coastal Capacity with Wind and Hail Coverage
  • HO4 and HO6 forms available
  • A+ Rated Carrier
  • $150,000 minimum Coverage A
  • High Value Coverage up to $1Mil Coverage A
  • Tier 1 and 2 Counties are acceptable
  • Replacement Cost and ACV offerings
  • Will accept 2 claims up to $20,000 paid out (additional claims and losses will be considered on a submit basis)
  • Homes with land up to 20 acres will be considered


  • 3, 6 or 12 month terms
  • Monthly earned premium for 3 month policies
  • If the property becomes occupied or sold during the policy term, the insured receives a return premium for the remaining months – 1/3, 1/3, 1/3
  • Renovation & Builders Risk
  • High Value Properties considered
  • HO-8, DP1 & DP3 forms available
  • 1-4 Family Dwellings
  • Premises Liability available
  • Protection Classes 1-10

Dwelling Fire

  • DP1 & DP3 forms available
  • $25,000 Coverage A minimum
  • Dwelling Schedules
  • Coastal Capacity
  • Seasonal & Secondary, Owner/Tenant Occupied
  • Vacation Rentals
  • 1-4 Family Dwellings
  • Premises Liability available
  • Protection Classes 1-10

ForemostrepresentingcolorForemost Insurance Group of Companies

We represent the Foremost Insurance Group of Companies, national insurers recognized and known for insuring auto, home, manufactured and mobile homes, motor homes, travel trailers, fifth-wheels, motorcycles, off-road vehicles, snowmobiles, boats, personal watercraft, collectible automobiles and commercial small business. Foremost also has a specialty dwelling insurance program in many states for site-built homes that don’t qualify for “standard” or “preferred” coverage. Foremost has been in business since 1952 and has a superior combination of coverage and claim service.

Foremost Insurance Group’s specialty dwelling line covers:

  • Landlord properties (up to 4 units)
  • Older and lower-value homes
  • Homes with minor cosmetic problems
  • Homes with a market value below replacement cost
  • Rental and vacant homes
  • Customers with credit and/or loss problems

universal_propertyandcasualtyinsurancecompanylogoUniversal Property & Casualty Insurance

Has an A Exceptional Financial Stability rating along with superior Customer service.

Products & Services include:

  • Homeowner’s Policy
    Designed for dwellings occupied by the owner
  • Renter’s Policy
    Designed to cover contents in a rented dwelling
  • Condominium Policy
    Designed to provide coverage for owner occupied or tenant occupied condominiums
  • Dwelling Coverage
    Protection against covered perils such as wind, hail, lightning, or fire
  • Other Structures Coverage
    Protection structures on covered property other than a home, such as a garage or shed
  • Dwelling Fire Policy
    Designed to protect Landlord’s dwelling
  • Personal property coverage
    Worldwide coverage for personal contents
  • Personal liability coverage
    Legal protection for claims from accidents to others