Homeowners Insurance

Home Insurance

Whether you own your dream home or rent it, whether it sits solitary on acres of land or shares common walls with neighbors, it reflects your character. It’s filled with memories as well as treasures you want to protect. You hope you never have to file an insurance claim but if you did you would expect your insurance to safeguard you from financial distress in the event of fire, theft, tornado or other events.

Contact us to discuss how we can put together the combination of coverage that best fit your needs.

We can meet your unique needs for dwelling or contents replacement, outbuildings and other structures, loss of use, personal liability, medical payments to others, credit card forgery, and extended coverage for home computers, special treasures, or higher coverage limits if needed.

Individually Tailored Policies, the greater your investment in your home, the more you need our specialized higher coverage amounts for your most prized possessions. There are specialized coverage amounts for personal items such as jewelry, furs, collectible coins, securities, etc., are based on a percentage of the covered value of your home, rather than the usual flat limits used by many other insurers.

Your home contains your most prized possessions that can add up to significant loss if your home was damaged or destroyed. With comprehensive tiers of coverage you no longer have to accept the flat limits offered by other insurers. You can select the level of protection that fits your unique needs and be covered for more sophisticated insurance needs such as equipment breakdown, Identity theft protection, building ordinance costs, land restoration.

Renters Insurance

Your home is more than where you live — it’s where you surround yourself with the comforts that reflect your personal style. Our insurance protects you against many hazards, including fire/lightning, theft, vandalism, windstorm/hail, glass breakage and more for your personal property such as loss of jewelry, watches, furs, precious and semi-precious stones; personal or business computers; business property; watercraft; trailers not associated with watercraft; and loss by theft of silverware and goldware; and loss by theft of firearms.

Condo Insurance  

Condominium owner’s policy combines the protection of a renter’s policy with the advantages of a homeowner’s policy.

You’ll get protection from many perils including fire/lightning, vandalism, windstorm/hail, glass breakage, explosion and more for your personal property such as loss of jewelry, watches, furs, precious and semi-precious stones; personal or business computers; business property; watercraft; trailers; and loss by theft of silverware and goldware; and loss by theft of firearms. It also includes medical payments to others, physical damage to property of others, and personal liability protection. You’ll also get coverage to pay your share of loss assessments from your condominium association.