Home Insurance

Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you have to pay some or all the repairs out of pocket?

These questions are crucial to address, because you can’t get insurance after a disaster strikes—and that can happen at any time. More importantly, when you're facing a crisis, you’ll feel less pressure knowing that your agent took the time to make sure you have the right protection

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face—everything from fire, hail, theft, ice dams and water damage to accidents on your property. Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

Little known facts about Homeowners Insurance

There are many things about insuring a home that you may not be aware of. We are here to make sure you avoid potential problem areas, including:

  • Personal Property replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • Many policies don’t automatically cover sewer back-up unless you purchase a special endorsement.
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard Homeowners policy typically does not include Flood Insurance
  • A standard homeowner policy covers items such as jewelry, fine arts and collectibles up to set limits if the loss results from one of the perils named on the policy.  We can help you obtain the coverage you need outside of the sublimits provided.

What types of Homeowners Insurance are available?

  • Frame, Masonry and Log homes
  • Condos
  • Townhouses
  • Secondary and Seasonal homes
  • Homes you rent to others
  • Mobile and Manufactured homes
  • Renters should also make sure they have the right kind of insurance in place.

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

There’s no such thing as a one-size-fits-all insurance policy. While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

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