Let us also insure your:
Let us also insure your:
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.
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.
- 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.