For most of us our home is the largest asset we own. It makes good sense to properly protect it with a homeowner insurance policy. This policy protects you when someone is injured in your home as well as replaces items that are lost or destroyed if a disaster, such as a fire, occurs.
Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value!
In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.
A standard Homeowner policy protects you against:
- Smoke Damage
- Falling Objects
- Weight of Ice and Snow
- Theft of personal property
Damages that are EXCLUDED from your standard homeowner policy:
- Water Backup/Sump Overflow
Flood insurance goes beyond the coverage of a standard homeowners insurance policy and protects you from more severe types of water damage, like heavy rain, melting snow, and severe coastal storms. After all, water’s great in pools and on water slides but not so much in places it doesn’t belong in your home. So, whether you’re required to buy flood insurance or just want additional protection for your property, we can help insure your investment with a flood policy through the National Flood Insurance Program (NFIP).
What does flood insurance cover? What isn’t covered?
Flood insurance provides coverage for both the structure of the home and personal property in case of damage. Your foundation and the critical systems that keep your home running are covered. So are flooring and personal belongings – unless they’re in the basement.