Your home is one of your biggest investments. A comprehensive homeowners policy plan is the cornerstone of protecting that investment and shielding you from the financial consequences of weather, natural disasters, fire, theft, and accidents.

Our team of experienced insurance professionals provide our clients with the ability to select the coverage solutions that are fully customized to their insurance needs. With our agents’ industry knowledge combined with our competitive carrier portfolio, you can be assured that your home and assets will be protected.

No one plans to experience a disaster at their home. Homeowners insurance keeps you protected from the unexpected.

Homeowners Insurance Covers:

  • The home
  • Detached buildings or structures on your property
  • Personal belongings (e.g., furniture, clothing, appliances)
  • Living expenses in the event you need to vacate your home due to a covered event
  • Personal legal liability

Additional Coverage Can Include:

  • Home replacement guarantee
  • Replacement cost on contents
  • Additional coverage form
  • Get the amount and type of insurance that you need.
  • Determine the amount of personal property insurance and personal liability coverage that you need.
  • Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement

When “actual cash value” is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.

When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Floods are the nation’s most common and costly natural disaster with 98% of counties in the US reporting Floods. On average, 40% of NFIP claims come from outside high-risk flood zones. Since flood is not a covered loss on your homeowners policy, reach out to us today to help you determine if flood coverage is right for you.