Homeowner and Renters Insurance
Insurance is an unusual product. It's personal and most often needed in times of stress. If your home catches on fire or is burglarized, your insurance agent is one of the first to respond. That is a big responsibility and we take it seriously.

Homeowners can use the following questions to help assess your present homeowners policy and determine whether you should have additional protection. One way to receive a possible price break on homeowners insurance is to insure your car and home with one company. This usually qualifies customers for a premium discount.  for a quote on your homeowners insurance, renters insurance, mobile home or condo insurance.

If you currently rent a home, Renters Insurance could be important protection to consider.  to see the common myths that keep some renters uninsured.

Homeowners Q & A

1. Q. Have you made an inventory in the last year or two of your home's contents: clothes, furniture, household goods, collections, art, appliances, electronics, etc.?
   A. Personal possessions are covered as a percentage of the insurance limits on the structure-anywhere from 50 to 80 percent, depending on the policy. Estimate how much it would cost to replace each item at today's prices and call us for a review of your level of protection.
2. Q. Are you aware that you can reduce your insurance costs by increasing your deductible?
   A. Raising it to $500 or $1000 will help hold down your insurance costs.
3. Q. Are you operating a business in your home?
   A. Homeowners policies provide only limited protection against theft, fire or liability for home business operators. A separate in-home business policy can cost as little as $75 per year.
4. Q. Have you considered flood insurance?
   A. Flooding can be caused by heavy rain, snowmelt, mudslides, hurricanes, severe storms, overflowing rivers, streams or tidal waters, and levee failure. Standard home insurance does not provide coverage for flood. We can help you get insurance through the U.S. government National Flood Insurance Program.
5. Q. Is the amount of insurance on your home enough to rebuild it at today's prices?
   A. Rebuilding costs can vary greatly with the local cost of labor, materials and building codes. It also depends on the cost of matching the materials used in the original construction. We can help you keep your insurance coverage up to date.

For a quote on homeowners or renters insurance simply complete the request for quote form and we will contact you right away.