We provide outstanding service and the value we bring to our customers outshines everything else, including price.
You have to ask yourself… What would happen if a disaster struck your home tomorrow?
Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you’re facing a crisis, you’ll feel less pressure knowing:
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others. For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile. Contact us today, and we’ll help you protect what matters most.
It covers common hazards like storm damage, fire, windstorm, lightning, and hail, plus personal liability if someone is injured on your property. Depending on your policy, it can also address things like dog bite liability, sewer backups, and replacement cost for personal property.
No – a standard homeowners policy typically does not include flood insurance. That has to be purchased separately.
Actual cash value pays out what your belongings are worth today, accounting for depreciation. Replacement cost coverage pays what it would actually cost to replace them new. That difference can be significant, so it’s worth confirming which one your policy uses.
Yes, and it’s one of the easiest ways to save. Combining your home, auto, and other policies with one carrier often unlocks additional discounts.
Anyone with a frame house, CBS home, manufactured or mobile home, condo, townhouse, secondary home, seasonal residence, or a home they rent out to others.
