PERSONAL INSURANCE

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Homeowner's Insurance

What’s Included on a Homeowner’s Policy?

The Dwelling – Covers the building, including all built-in systems such as plumbing and heating, plus any attached structures.

Other Structures – Provides coverage for detached structures or out buildings such as a garage, shed, or barn.

Personal Property – Covers your personal belongings and contents of your home (clothes, furniture, electronics, etc.)

Loss of Use – Pays for additional living expenses above and beyond your typical living expenses, in the event you are temporarily displaced from your home due to a covered loss.

Personal Liability – Pays for Defense and Judgments for claims of accidental bodily injury to others and/or property damage of others.

Medical Payments – Pays Medical expenses for persons accidentally injured by you or on your property.

Auto Insurance

Rating factors extend beyond age, gender, driving records and the make/model of your car. Calculating home & auto premiums has become quite complex and is far more sophisticated compared to our parents generation.

Did you know that auto insurance companies can differ regarding:

How many years back a driver is penalized for violations or accidents on their driving record?
How they rate and charge for youthful drivers?
How heavily your insurance score (based on your credit) impacts your auto insurance premium?
The discounts they offer for portfolio credits?
Charging you higher premium if you have loans on your cars?

When the cost of your insurance takes a sharp increase, we’re there for you! We’ll shop your policies at your renewal with all of our companies to find you a less expensive option.

What do we charge you for this service? Absolutely nothing. That’s our commitment to you.

Flood Insurance

Floods are the #1 Natural Disaster in the United States
1 in 4 Flood Claims are filed in Low-to Moderate Flood Risk Areas
Disaster Assistance, if it’s available, is typically a loan you must repay with interest
Just a few inches of water can cause tens of thousands of dollars of damage
The average Flood claim over the last 10 years is $33,000

Homeowner’s Insurance policies typically exclude coverage for losses caused by flooding. Flood Insurance can be obtained by purchasing a separate flood insurance policy. There is a 30-day waiting period from the time flood insurance is purchased to the date when coverage begins. If you attempt to buy flood insurance during a storm warning, it will be too late. The 30-day waiting period is waived only if your mortgage company mandates that you secure flood insurance.

Home, Auto, Life, and
Business Insurance

t: (207) 324-5600