Home Insurance...

You found the perfect home for you and your family! Shouldn't you have the perfect insurance for your home?

We understand that everyone has unique needs when it comes to insurance. This is why we offer customizable home insurance coverage that meets your specific needs. After all, when it comes to house insurance - one size does not fit all!

If you would like to find out more information or simply want a quote for your home insurance, renters insurance, mobile home insurance, or flood insurance needs, simply contact our office, and we can provide you with a no obligation evaluation of your house insurance needs.

 

 

Why do I need homeowners, condominium, or renter insurance?

Having the proper home Insurance can help you with your peace of mind, knowing that in the event of a covered insurance loss , your damaged home will be rebuilt, and your insured destroyed belongings will be replaced. Types of coverages include:*

• Dwellings and other structures
  For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for almost any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
  
  
• Dwelling Improvements, Alterations, and Additions
  Condominium owners are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.
  
  
• Loss assessment
  Condominium owners may also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this will vary depending on your policy.
  
  
• Personal Property
  Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace them.
  
  
• Personal Liability
  Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage and personal property insurance should this ever occur.

*Only up to the limits of the insurance coverages purchased.