Home Insurance

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We can help you find the insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

What you need to know about homeowners insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Types of homeowners’ coverage

• Dwelling/Structural – Covers physical damage to your home or dwelling.
• Personal Belongings – Covers damage to items in your home and anywhere in the world.
• Liability Protection – Covers your legal responsibility for injuries or damage to other people or property.
• Additional Living Expenses – Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.

Protect Your Property

Dwelling and Personal Property coverages are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item’s value to determine the current value. Full replacement cost considers the current cost to replace an item. This is important since you could face a substantial loss if you must replace property at today’s prices but receive only the depreciated value of the property that was destroyed.

Jewelry, Furs, Fine Arts and more

If you have jewelry, furs, fine arts and other items of high value, they should be scheduled separately onto your policy with a personal property floater. Each item will have its own limit of insurance and will have full coverage, without a deductible.

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Protect Yourself Financially

Liability coverage will protect you financially in the event that you cause bodily injury or property damage to someone else or their property and were found to be legally liable. Coverage is provided whether the incident happens on or off your premises. This is an incredibly important coverage and you need to make sure you have adequate limits. If higher limits are needed, a personal umbrella should be considered as judgments can attach assets as well as future earnings.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.