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Home Insurance

Protect your home and personal belongings with our comprehensive Home Insurance. Our policies provide financial protection against disasters, theft, and accidents, covering both your dwelling and personal liability. We offer customizable coverage to fit your unique needs and budget, ensuring your largest investment is secure. Get a free home insurance quote and enjoy the peace of mind you deserve.

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Your home is most likely the biggest financial investment that you’ll ever make. As such, you’ll need an insurance policy which will fully protect that investment. But all homeowner insurance policies aren’t created equally. Some things to consider when shopping for home insurance include the following:

Most lenders will require that you show some type of proof of insurance. But the type of insurance you purchase is up to you.

There are typically three different levels of home insurance:

Actual Cash Value (ACV) coverage offers the least amount of protection and, as you might expect, often has the most affordable premiums. ACV policies cover the cost of your house and the cost of your belongings in the house after deducting depreciation. The depreciation clause is important as it only provides the value of the structures and items at the time of the loss rather than at the time of the purchase. So, depending on the amount of depreciation assessed, it might be difficult to get back to a pre-loss condition without some out-of-pocket expenses.
Replacement Cost coverage is one step above an ACV policy in that it doesn’t assess depreciation on your home or belongings. So with a Replacement Cost policy, you’ll be able to repair or rebuild your home up to the original value.
Guaranteed Replacement Cost is the most comprehensive coverage and the policy which will also be the most expensive. This coverage guarantees the replacement of the home even if doing so exceeds the limits on the policy. So you’ll be guaranteed not to be underinsured in the event of a total loss

A standard homeowner insurance policy will cover the dwelling, the personal property within the dwelling, and personal liability in the event that someone has an accident or is injured while at your home. But there are additional coverages called riders or endorsements that should also be considered. These endorsements to your standard home insurance policy extend the coverage for certain types of property or peril. A jewelry rider is a common example. Oftentimes the base policy will set a limit on the amount of personal property that will be reimbursed from a loss. A rider can be purchased if the value of your jewelry exceeds the personal property limits of the base policy. Another common rider is for water backup coverage as this peril is often excluded in a standard home insurance policy.

The best way to determine what type of insurance you should purchase and which riders you should consider is to ask a licensed agent in our office. We can assist you with assessing your home insurance needs and provide you with some quotes from several of the top insurance companies.

Loss Prevention Programs – with our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
Quick Claim Response – when you do have a claim and need fast and fair service, we work with you to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly.
Competitive Rates – many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.

Frequently Asked Questions About Home Insurance

What does home insurance cover?

Home insurance can cover a variety of losses including weather, fire, and personal liability. The amount of coverage you get depends on the policy you purchase.

Is home insurance required?

You should have home insurance. Your home is likely your largest asset and if you have a loan it will be required.

Does home insurance protect me from dog bite claims?

Yes, homeowners insurance provides you with insurance coverage in the event you have a dog that bites someone. Some dog breeds are uninsurable, so before you purchase a dog, be sure to contact your agent to see what breeds might be excluded. Additionally, each claim is different so coverage will be decided by the insurance company to ensure no excluded acts were committed.