We can provide a thorough and cost effective way to insure your dwelling and personal property and tailor the right coverage for your needs and budget. The best part, we’ll guide you through the options and simplify the process of protecting your most valuable assets.
Your home is one of your most important investments. Even if you don’t own a house, you do own more than you think. We offer coverage to protect everything in your home, inside and out.
Water back-up of sewer and drain
Medical payments to others for resulting injury
Valuables and collectibles
Identity theft and cyber risk
Waiver of deductible following a large loss
Additional loss assessment for owners of shared property areas (e.g., condo)
Dwelling cash out option (a check instead of rebuilding)
Utility service line interruption
Equipment breakdown (e.g. electrical, HVAC, water heaters, security systems, and more)
Guaranteed Replacement Cost
In the unfortunate event of a total loss, this provision pays the full cost of replacing your home even if the amount exceeds your policy limits. In other words, rebuilding your home would be covered without depreciation or reconstruction cost caps.
Coverage may vary by state and may not be available from every carrier.
You may want to consider coverage for water damage, even if you don’t live near the water. Homeowners policies do not cover flood losses, which can happen from hurricanes, melting snow and heavy rains.