Protect Your Home
Your home is your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that you can trust and an agent with experience. Coverage availability and prices may vary by company. We can help you determine which one of the many companies we represent will best meet your needs and provide you the best combination of tailored coverages, quality service, and fair pricing.
Types of Property Insurance
Primary & Secondary
Mobile Home Insurance
What are some practical things I can do to lower the cost of my homeowners insurance?
For example, many insurers will offer a Bundling Discount when you place both your automobile and homeowners insurance with them. Other times, insurers offer security discounts if there is a security system or security devices installed. Hurricane shutters can also be considered. Be sure to ask us about any discounts for which you may qualify.
What is the difference between "actual cash value" and "replacement cost"?
What factors should I consider when purchasing homeowners insurance?
There are a number of factors you should consider when purchasing any product or service, and insurance is no different.
Here is a checklist of things you should consider when you purchase homeowners insurance.
- Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company may be less than the full cost to replace your home — you’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.
- Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement or a jewelry endorsement?
- Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy’s exclusions and limitations as well as recommend an insurance company that will live up to your expectations.
Do I need earthquake coverage? How can I get it?
Protect What Matters Most
We have the protection you need for your family, your home, your cars, and all of your valuable assets. Speak with a licensed agent today.