Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Depending on the company you choose, you can get discounts for:
- Having a burglar alarm
- Having a newer home
- Being claim free in the past
- Insuring your vehicles with the same company
Other advantages you could enjoy include:
- Flexible billing -including coordinating with your mortgage company
- 24-hour claims reporting
- Living expense if your home becomes uninhabitable due to a claim
Home coverage options
Whether you are getting a new quote for home insurance or considering changing your existing home coverage we would encourage you to consider the following coverage options.
Save money on home insurance
Reduce the total cost of your homeowner policy by up to 25%.
Contact us to learn how.
Higher deductible can save you money
Increasing your deductible could reduce the total cost of your homeowner policy by up to 25%.
Scheduling jewelry, fur, silverware, & fine arts
By scheduling items on your homeowner policy, an item can have much broader coverage and the need for a policy deductible could be eliminated.
If a repair or replacement of your home exceeds the amount of dwelling coverage listed on the declarations page of your policy, this coverage will provide an extra 15 to 25% of dwelling coverage.
Should you become a victim of identity theft, this option will cover the expenses of recovering your identity. Learn more about our identity theft coverage.
Water backup and sump pump overflow
Should your home be damaged by water from a sewer back-up or drain or sump pump malfunction, this option provides coverage for those damages.
This option provides premises liability coverage for business activities conducted in the home, as well as a limited amount of business property coverage.
An additional deductible for this option provides coverage for damage to your home and possessions caused by an earthquake.
Home day care
This option provides liability coverage for a day care operation at your home for up to three children.