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HOME INSURANCE

Owning your own home is a great investment and we want to help you protect that investment.
Banterra Insurance offers various options for homeowner insurance by working with top
national insurance brands and customizing a policy that is best for you.

HOMEOWNER

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Homeowner Insurance

Whether you own your home or condo, or if you are just renting,
we are here to protect you with coverages customized for your situation.

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Why Banterra Insurance?

Banterra Insurance is your one-stop-shop for personal service and expertise on what
home coverage is best suited for your needs. We work with various national insurance
brands to offer you a home insurance policy that is hard to beat.

COVERAGES AVAILABLE

 Property

Dwelling – Coverage for damage caused to dwelling by a covered peril.
Other Structures – Coverage for damage caused to an outbuilding by a covered peril.
Household Property – Covering your personal possessions for their replacement value.
Scheduled Personal Property – Coverage for high-value items that must be scheduled due to policy coverage limits on that class of property (i.e. guns, furs and jewelry, etc.).
Business Personal Property – Coverage for personal property that is used in a business.

Coverage Enhancements
Property

Loss of Use. Additional Living Expense – Covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter, and related items.

Liability

Personal Liability – Coverage for your liability if a bodily injury or property damage claim occurs where you could be liable.
Property Of Others Liability – Coverage for property that is not your own,
but in your care custody or control.

Medical

Medical Payments – Coverage for medical payment to an injured party on your premise regardless if you are liable or not.
Pet Coverage – Coverage for illness or injury of your pet.

Other

Identity Fraud Expense Coverage – Coverage for reimbursement of cost of restoring your identity after it has been stolen up to the limit of coverage.

 Property

Dwelling – Coverage for damage caused to dwelling by a covered peril. Other Structures – Coverage for damage caused to an outbuilding by a covered peril. Household Property – Covering your personal possession for their replacement value. Scheduled Personal Property – Coverage for high-value items that must be scheduled due to policy coverage limits on that class of property (i.e. guns furs and jewelry etc.). Business Personal Property-coverage for personal property that is used in a business..

Coverage Enhancements
Property

Loss of Use. Additional Living Expense – Covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter, and related items.

Liability

 Personal Liability – Coverage for your liability if a bodily injury or property damage claim occurs where you could be liable. Property Of Others Liability – Coverage for property that is not your own, but in your care, custody or control..

Medical

Medical Payments – Coverage for medical payment to an injured party on your premise regardless if you are liability or not. Pet Coverage – Coverage for illness or injury of your pet.

Other

Identity Fraud Expense Coverage – Coverage for reimbursement of cost of restoring your identity after it has been stolen up to the limit of coverage.

Need A Home Mortgage or Refinance?

Banterra Bank offers competitive rates, online approval qualification and personal
service for your home mortgage, refinance or home equity loan needs.

DISCOUNTS AVAILABLE

Banterra Insurance offers several discount options for home insurance.

*Discount availability varies by company

DISCOUNT CATEGORIES

  • Multi-Policy Insurance Discount – Ask your agent about multi-policy insurance discounts when you combine home insurance with vehicle or life insurance or when you have policies with more than one home.
  • Advance Quote Discount – A discount for quoting home insurance in advance of renewal.
  • Age of Insured Discount – A discount may apply if homeowner is 60 years or older.
  • Protective Device Discount – Get a discount if your home has smoke detectors, fire extinguishers, sprinklers, deadbolt locks or burglar alarms.
  • Roof Discount – Discount for having a roof that is made with an impact resistant material or for choosing coverage that applies to actual cash value of roof instead of replacement value.
  • Age of Home Discount – Discounts apply based on age of home as well as new construction.
  • Paid-In-Full Discount – A discount for paying your premium in full.