Homeowners
Whether you rent, build or buy, your home is your haven from the rest of the world.
Home insurance protection comes in all shapes and sizes.
You should note is that the whole of your home is not necessarily greater than the sum of its parts. What this means is that the insurance protection for your home should be more than what you paid for your home. This accounts for things like rising costs of material and labor when the time comes to repair or rebuild in the aftermath of a covered event. This is why our agents will work with you to come up with the Replacement Cost for your home as a basis for the coverage you need.
Inland Marine
You’ll need additional coverage or an additional policy to sufficiently protect high-value computers, electronics, antiques, collectibles, fine art, jewelry, etc. Most policies have sub-limits of coverage for specific items, and those sub-limits are inadequate for high-value items or older items (don’t forget to ask your insurance agent about replacement costs vs. actual cash value, or ACV). In order to accurately insure your valuable possessions, have a conversation with one of our agents today.
Renter’s Insurance
Your landlord has insurance to cover his investment in the building, shouldn’t you have insurance to protect your investment? Renter’s insurance is perfect for making sure your belongings are covered in case of disaster.