Did You Know That You Can Receive Discounts For :

• No claims in the last three years?
• Having good credit?
• For a new home?
• For having a monitored burglar and/or fire alarm system?
• Having multiple policies with the same insurance company?

Call us to discuss your needs. We will prepare a coverage proposal tailored just for you! Or click "Get a Free Quote" above to receive an instant quote!

Home Insurance Basics:

• Dwelling Coverage

Pays to replace your home. To ensure that the coverage limit is adequate, we must make sure that we insure your home for the total cost to rebuild it. This will vary from your home's "market" value.

• Other Structures Coverage

Pays to rebuild other structures on your property. This may include a detached garage, garden shed or fence.

• Personal Property Coverage

Pays to replace your belongings. It is amazing to consider the total value of everything you own! This includes clothing, TVs, computers and other electronic gadgets, furniture, linens, kitchen supplies, toys and shop tools. The value of your possessions may be much higher than you realize.

• Loss of Use Coverage

Pays for the additional expense that you would incur if you had to move out of your home due to a covered loss such as a fire. This would cover the inital expenses for temporary housing and food and, if neccessary, the long-term expense of a rental while your home is being rebuilt.

• Liability Coverage

Pays for injuries or property damage that you are legally liable to pay. Such claims could arise from your property such as a dog bite, person tripping on your driveway or sidewalk and from activities away from your home such as skiing, hunting or fishing.

• Extended Dwelling Coverage

Pays an additional amount of coverage over your policy's dwelling limit to rebuild your home. Most policies provide an additional 25%. We have policies that provide 35% limits, but also ones that provide 50% or unlimited caps.

• Personal Property Replacement Cost Coverage

Pays the actual cost for you to replace a covered item with a new one of "like kind and quality". For example, if the 30" Panasonic TV that you purchased 8 years ago was stolen the company would pay for a new 30" Panasonic TV - not just give you the depreciated settlement for the old one.

Since you are unique, your coverage may need to be tailored to your specific needs

The basic homeowners policy does not cover losses caused by earthquake or flooding. However, coverage is available for both of these perils. We would welcome to opportunity to include these coverages in our proposal for you.

Homeowners policies, like all policies have some limitations. If you have valuable jewelry, silver, furs, art, stamp or coin collections please tell us so that we can make sure our coverage proposal adequately insures these items.