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Home Insurance

Your home is a major asset that needs to be insured properly to protect your investment. Our responsibility is to educate you on the coverages and limits you need so you’ll be protected when you need it most.

When looking at your homeowners policy, there are some important questions to ask to ensure you have the proper coverage:

1. What is the value of my property? The right limit here is not what your home is worth, but rather the cost associated with rebuilding your home. With a soft housing market, reconstruction cost may be higher than market value.

2. What is the value of my personal property?  Putting an accurate limit on all of your personal property can be challenging.  We can help you assess the proper limit to make sure all your belongings are fully covered.

3. How much liability protection do I need?  Calculating the right limit for liability protection can be challenging as well.  Ideally, it should be enough to protect all of your assets, but there are situations where you may need a higher limit.

4. Do I have any unique or valuable items?  Items like jewelry and antiques often require additional coverage to ensure they are properly protected. We can help you insure them correctly.

Please contact our office to discuss any of these coverage options or any other questions you may have regarding your home. Or, if you would like, you can request a quote by clicking the button below.

 

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