Home Insurance

Your home is one of your biggest investments.  Make sure you fully protect your home and everything inside.  Call us to discuss the different coverage options to meet your individual needs.

Not only can being informed can help keep your premiums low, it can also help you make sure what you think is covered actually has insurance protection.  Your situation is unique and finding the right policy for you is important.  You want to be fully informed if you have to make a claim.

Here are some important topics:

• Insuring Your Home’s Structure

Set the right deductible and get the right amount of coverage should you need to pay for rebuilding home.  The market value of your home is often different than the replacement value (due to inflation, cost of materials and labor, and many other factors).

• Insuring Your Personal Property

Your personal belongs are an investment and need to be protected properly.  Make sure you read your policy for category limits and per item limits that could affect the amount you are paid if you have to make a claim.

• Liability Insurance

Discover how liability insurance can help protect your savings in the event of a lawsuit resulting from a covered loss if you are accused of causing someone else harm.

• Guest Medical Insurance

Find out how your insurance can pay for medical costs (up to policy limits) when someone is injured in a covered loss at your home.

• Flood Insurance

Know the difference between being covered by a flood compared to a covered water loss.  Get the facts about the Federal Governments National Flood Insurance Program and Insurance options for other water damage.