Home is where the heart is…and that’s certainly worth protecting. A homeowner insurance policy, like so many other insurance policies, is created to make you “whole” again in the event of a loss. And there are few losses that are more burdensome than a severe loss that affects your home.
Expansive repairs to your home; damage to or loss of your personal affects; loss of income (e.g. from a rental unit); additional costs such as hotel or short term rentals or loss of wages; and lawsuits arising out of liability issues or coverage for medical expenses are all issues that may arise out of just one home insurance claim. That is why the most important issue in protecting your home is making sure you are afforded the right coverage. This comes down to having your home and property valued correctly.
Leave It to the Experts!
Unfortunately, not all home insurance policies are created the same and not all agents understand the coverages, endorsements or valuations that go into a home insurance policy.
We work with our clients to properly value their home so that in the event of a loss they have the coverage to help make themselves “whole” again. In addition, we advise our clients on additional endorsements they may need to protect their home beyond the general policy coverages or limits (i.e. water back up or building and ordinance coverage).
In addition to providing you with the proper coverage you need on your home we look to offer various credits to keep the premium as low as possible. Some of these credits include, but are not limited to: companion credit (bundling both your auto and home insurance with the same carrier), alarm credit, new roof credit, safe property credit, and many more.
To see a full listing of available home insurance credits, please click here.
We have numerous carriers and markets with whom to quote your policy against and are able to quote various property types (i.e. coastal homes, high value homes, log homes, etc.)
Please contact us directly for a no cost evaluation of your current policy or to inquire about opening a new policy.
Condo Insurance
While somewhat similar in coverage scope to homeowner insurance, condominium insurance allows condominium unit owners individual coverage beyond that of the master insurance coverage provided by their condo association. Condominium insurance provides many of the same basic coverages provided under a home insurance policy, while under a different policy form, but typically will have additional endorsements which will not exist on a home insurance policy (i.e. loss assessment and all-risk coverages).
Many condo unit owners discover that at a time of loss, they do not have coverage or that coverage is not extended to them from their condo association insurance policy. What is important in evaluating the risk on a condo insurance policy is knowing where the condo association coverage (assuming there is coverage) begins and ends and how your policy will match up to it so there are no gaps in coverage between a loss covered by the association insurance and a loss covered by your personal policy.
Even when full coverage is extended into the unit owners home from the association’s policy it is still important for the unit owner to retain his or her policy in order to have coverage to protect personal property and offer liability coverage, amongst other things.
Many of the same credits applied on a home policy can be applied to a condo insurance policy, allowing for additional savings while you retain proper coverage on your condominium. To see a full listing of available condominium insurance credits, please click here.
Please contact us directly for a no-cost evaluation of your current policy or to inquire about opening a new policy.
Tenant Insurance
Tenant insurance (or renter’s insurance) is one of the most neglected forms of coverage that exists. Many people feel that since they don’t own a home or a condo and that since no mortgage company is requiring them to have coverage that they don’t need it.
Tenant insurance can be purchased for as little as $120 a year (or $10 a month) and can offer the policyholder liability protection (up to $500,000 in coverage) and coverage for their personal property, among other options. While there are many myths and excuses as to why people may not wish to purchase coverage (they may believe their landlord policy will extend coverage to them or that they do not own enough “stuff” to protect it), many insureds will discover that having the coverage will far outweigh the minimal premium in the case of a loss.
Many of the same credits applied on a home policy can be applied to a tenant insurance policy. To see a full listing of available tenant insurance credits, please click here.
Please contact us directly for a no cost evaluation of your current policy or to inquire about opening a new policy.
