Your home and its needs are as unique as you are.
For that reason, we offer several types of insurance policies for homeowners, which we tailor to your situation. A standard homeowner’s insurance policy insures the home itself and the things you keep in it. It is typically a package policy, which means it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
By determining your home’s value based on replacement cost (the amount of money required to repair or rebuild your home with similar materials), as well as additional coverages you might need such as water backup, identity theft and equipment breakdown, your policy is exactly customized to you and your needs. As the years pass, we assess your coverage annually to make sure that your insurance keeps up with the changes you’ve made to your home, or any property you have acquired. Our goal is to provide excellent coverage for a reasonable price for you.
Good to Know:
Disasters
Damage caused by many disasters is covered in a standard homeowner’s insurance policy, but floods, earthquakes and other specific types of occurrences are generally excluded. Since policies can vary widely, the best way to be sure about specific exclusions is to read your own policy.
Vacant Property
If your home is left vacant due to a move or new construction, you are vulnerable to losses from vandalism and other mishaps. Please check with us to learn more about the coverage options available to protect your property.
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