Home Insurance

Your home is the center of your world

Your home is your most valuable asset and that is why having the right homeowners insurance policy is so important.  Homeowners insurance offers financial protection in the event of a loss such as fire, theft, vandalism, and other covered events. The right policy will also provide liability coverage and provide protection incase someone is injured while on your property and files suit against you.

As an independent agency, we will find you the policy you need at a price you can afford. We work with multiple carriers to compare pricing and coverage to provide you with the best policy we can offer. 

How much does home insurance cost?

Home insurance cost is dependent on many different factors:

  • location - premiums will vary depending what region, town, and zip code you live in

  • replacement cost -  home insurance is based on replacement cost, which is not the same as market value.  This is based on the estimated cost to rebuild your home in the event of a loss. 

  • coverages -  there are many additional coverage options that can be included in your policy and pricing will vary on each

  • deductible - the higher deductible you chose, the lower the premium will be, as you are taking on more of a financial responsibility in the event of a loss

home keys

What does homeowners insurance cover?

Construction Engineer

Most policies provide the following coverage:

  • Dwelling - coverage to repair or rebuild your home in the event of a covered loss, such as fire or wind. 

  • Personal property - coverage for your personal contents if they are destroyed, stolen, or lost under a covered loss. 

  • Additional living expense - coverage for if you cannot stay in your home while it is being repaired or rebuilt under a covered loss, the insurance company will pay for you to stay somewhere else.

  • Personal liability -  coverage for if someone is injured on your property or if their property is damaged and you are to blame

  • Medical Expense - coverage for a guest's medical expenses if they are hurt on your property regardless of fault