Houses, Apartments, Condos... We've got you covered.
Your home is a big investment, and likely your most important one. Homeowners insurance is provides broad coverage for your home and belongings, including:
the house, and should be for its 'replacement cost', or cost to rebuild;
a garage, shed, barn and other structures at your property (including built-in pools);
your personal possessions, your stuff, such as furniture, appliances, clothing, and your toys;
additional living expenses (called as Loss of Use), to reimburse you for the extra cost of living elsewhere if the house is unliveable after a disaster;
Liability for accidental injuries caused to others, such as a guest slipping and falling down your front stairs or off your deck.
Click this short video for a synopsis.
A typical policy includes damage from windstorms, fire and theft, and lots of other "perils". We help you customize a policy to match your needs and budget. For example, an "open perils" policy offers the broadest coverage, more limited than "named perils". See our HO-3 vs HO-5 page for how these two policies differ on treatment of your contents (among other differences).
Flood and earthquake damage are so unique, they are purchased separately. Jewlery, silverware, boats, collections other unique possessions may deserve special attention. Talk to us, and we will help craft the right policy, with the right company, with the best rates and most discounts for you.
Just click "Get Quote" to the right and you'll be on your way to a more economical and customized personal insurance program.
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More Resources: An Ounce of Prevention...
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