Dwelling
Covers your home from many risks such as fire, wind, hail and other disasters. Our policies will pay to rebuild or repair both the interior and exterior of your property. We also offer endorsement or separate policies to cover flood, wild fire zones, earthquakes, sewer backup, and damage from poor maintenance.
Personal Property
Your high value art and jewelry worth more than $2,000 needs to be covered with a personal articles policy. Otherwise, the limits on your homeowners will not cover the full value.
Loss of Use
If you are displaced from your home for any reason our carriers will cover your living expenses while your property is being rebuilt or repaired.
Medical Payments to Others
Covers parties injured on your property to meet expenses not covered by his/her insurance, This reduces the likelihood of legal action against you.
Liability Coverage
Covering your personal liability at your residence and almost everywhere else.
Umbrella Policy
When you need large amounts of liability coverage to protect your wealth, the addition of an umbrella can be a cost saving tool. The policy increases your personal liability coverage by $1,000,000 or more at lower costs.
What is Residential Insurance?
Which insurance coverage do I need?
The coverage you need depends on your stage in life. When you have assets to protect you need to increase your liability limits.
Which discounts are available?
We access many discounts for all your policies. Bundeling auto, home and umbrella policies from the same company. We access professional discounts, business owner, high GPA student, multipolicy, smart miles, smart ride and other device driven data to rate your mileage accurately.
How can I lower my insurance cost?
We have a variety of ways of saving you money but the most important part of insurance is high quality protection, transparency and service.
Do I need to increse my coverage after a remodel?
Yes, please let us know if you have updated you electrical, plumbing, roofing or any other updates as it can offer you new discounts and helps us make sure you are properly covered.
