Homeowner Insurance Program
Get to know your homeowner insurance
A home insurance policy is one of the most misunderstood policies that an individual can purchase. Many changes to this type of insurance policy have occurred through the years to expand what is covered and also to clarify what the policy excludes. Our dedicated protection team will guide you through this selection process to ensure you are comfortable with the various provisions and coverages available within the homeowners policy.
The ultimate purpose of homeowner’s insurance is to enable the homeowner to rebuild his or her home and life, even in the event of total destruction.
Our office will provide you with the most comprehensive policy available on the market today which will help to put your life back in order in the event of a catastrophic loss.
Save by Bundling
Bundling discounts for home, auto, and recreational vehicles can save you time and money.
A good homeowner’s insurance policy will cover:
- Your residence
- Any detached structures, like garages or garden sheds
- Your personal belongings
- Additional living expenses in the event of a loss
- Personal liability
- Medical expenses to others who may be injured on your property
- Incidental Business Property and liability exposure
Now It’s Time to Get a Quote:
Not all homeowner insurance policies are alike. There are many insurance companies in the market today that will quote an inexpensive policy that only gives you the “bare bones” coverage. Leaving you with less-than-optimal coverage in the event of natural disaster, an accident, burglary, fire, etc.
When quoting your homeowner insurance premium, we’ll start by obtaining an estimate of your home’s full replacement cost. We will use a full replacement cost valuation to be sure that you can replace your home in the event of a total loss.
An earthquake can cause untold devastation. It could damage the foundation of your home, or even worse, result in a total loss.
You might think that because you’ve never experienced a flood that you don’t need coverage. But, if it rains it can flood.
You have homeowners insurance. You have auto insurance. You may even have boat insurance. That means all of your bases are covered, right? Maybe not.