If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way - unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
For most people, their home is the most valuable purchase they will ever make, and we want to make sure your home is properly insured.
We will use our state of the art software program to help determine the replacement cost of your home, taking into account the type, size and unique features of your home.
We offer many extra features and discounts that are automatically included, and not available under standard homeowners insurance. If you should insure both your home and auto with the same company you will receive discounts on both policies.
If you give us the opportunity, we will do our very best to save you money and also provide you with the best customer service possible.
Listed below is some of the other home coverage we provide: