NatGen Premier is here to protect both your home and your lifestyle. Regardless of the type of home you currently have, we have a policy that will cover it. As your life grows and your needs change, we will be here for you.

Home Icon Homeowners

A NatGen Premier homeowners policy surrounds your home, belongings, liability, and well being with protection. We are not only covering a house and its contents, we help you maintain your lifestyle throughout your claims experience.

Our coverage offering begins with a standard Homeowners Insurance Policy form known as an HO3. Then, depending on the size, value, and location of your home, we can add various layers of coverage and optional endorsements such as Extended Replacement Cost, Water Back-Up, Ordinance & Law, Equipment Breakdown, and Service Line Coverage.

Homes insured for $750,000 or more are covered by the Premier Client Home Endorsement which includes important and unique coverages designed for high value homes, such as Guaranteed Replacement Cost, Large Loss Deductible Waiver, Cash Out Option, Unlimited Loss of Use and more.

Guaranteed Replacement Cost

When you experience a large or total loss, this coverage guarantees that your home will be restored to its original condition with like kind and quality materials--even if the structure’s insurable limit is exceeded.

Personal Property Replacement Cost

When you experience a loss, your personal property is usually in a “used” or “depreciated” condition. This coverage pays for you to replace your damaged contents with brand new, like kind and quality items, without charge for depreciation.

Water Backup

Sump Pumps, sewers, and drains can experience failures or back-ups for many reasons. Sometimes the underlying cause is unknown to you until damage occurs, having this coverage gives you the peace of mind that you are protected from what you can’t see.

Ordinance and Law

Overtime, municipalities and cities change their building codes and ordinances. If you experience a loss that requires additional work be done to meet current codes, Ordinance and Law coverage will help cover the additional cost of construction.

Identity Theft

Every year more than 15 Million Americans fall victim to identity theft. NatGen Premier offers a layer of coverage to help protect you from this peril.

Optional & Additional Coverages

NatGen Premier is proud to bring you choice when it comes to insuring your home. We offer and include many other coverage enhancements that you can learn about by calling 1-844-287-2237. We will be happy to provide you with some options for NatGen Premier independent agents in your area.

To learn more about our other insurance solutions, visit one of the pages below.