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Home Insurance

Home Insurance Policies are often misunderstood

The home insurance policy is one of the most misunderstood policies that an individual can purchase. Many changes to this type of insurance policy have occurred through the years to expand what is covered and also to clarify what the policy excludes. Our dedicated protection team will guide you through this selection process to make sure you are comfortable with the various provisions and coverages within the homeowners’ policy.

To be very clear, the ultimate purpose of homeowners insurance is to enable the homeowner to rebuild his or her home and life, even in the event of total destruction.

A good homeowners insurance policy will cover:

  • Your residence
  • Any detached structures, like garages or garden sheds
  • Your personal belongings
  • Additional living expenses in the event of a loss
  • Personal liability
  • Medical expenses to others who may be injured on your property

Tell Your Broker about changes in your scenario

There are certain life events and scenarios that you NEED to tell your insurance broker about.  Certain events and changes to your home can affect your coverage by limiting the amount of coverage you have or excluding coverage all together.  On the other hand, telling your broker about other changes to your home can offer discounts. 

TELL YOUR BROKER IF: ( really this is a good list, but if anything changes let us know! )

  • You are renting your property
  • You are completing renovations to your home
  • You will be away from your property for an extended period of time
  • Your are operating a business out of your home.
  • You got a new burglar alarm
  • You've updated your roof, heating, plumbing or electrical system

Comprehensive Home Insurance Policies available

Our office will provide you with the most comprehensive policy available on the market today which will help to put your life back in order in the event of a catastrophic loss.

Not all home insurance policies are alike. To be sure, there are many insurance companies in the market today that will quote an inexpensive policy but most of them are only giving you the “bare bones” coverage. When quoting your home insurance premium, we will use a full replacement cost valuation to be sure that you can replace your home in the event of a total loss.

Other items such as jewelry, coins and collectible items have limitations in the policy but can be added by providing appraisals and paying a small additional premium.

Discounts are available for newer homes, central station alarm systems and higher deductibles.

As you can see, our protection team understands the way home insurance works. Let us identify the kind of policy and coverage you need while working hard to provide you with the best value.

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Complete a few details to receive a quick quote today! a broker will contact you to get any additional details needed

Enter all of your details for a detailed Home owners quote today! Request to complete your application online.

Take a photo or upload a copy of your existing policy and let us compare for you. Uploading your policy will allow us to evaluate your current coverage.