Coverage for arguably your most valuable asset should not be taken lightly. To properly protect your home, call and speak to an agent with years of experience assessing risks IN OUR AREA.
Yes, everyone must purchase automobile insurance coverage, but are you purchasing good coverage? Are your limits adequate and deductibles reasonable? Will you be stuck with loads of out of pocket expenses at the time of an accident?
Our agents have access to some of the most competitive automobile markets in the area and can provide you with in depth explanation of the coverage basics and additional coverages available to further protect you and your family from unexpected expenses after an accident.
We like to call the personal umbrella policy the “peace of mind” policy. This important coverage acts as an additional layer of liability coverage over your underlying liability coverage on all of your properly insured assets (ie. Home, automobiles, watercrafts, golf carts, etc.). Purchased in increments of $1,000,000, this policy usually costs less than a few hundred dollars a year for these high limits.
What does this mean exactly? Give us a call, we are happy to discuss in detail.
Personal Articles/Inland Marine
The personal articles policy is built to insure your high value items. This policy form offers broader, worldwide coverage on your most precious items. Although most are familiar scheduling jewelry on a personal articles policy, this policy can be written to cover many other high value or sentimental items such as silverware, fine arts, antiques, sporting equipment, coin collections, firearms, precious metals, cameras, musical instruments, personal computers, china/crystal and much more.
Did you know that rising water is excluded from ALL standard homeowners insurance forms? Flood can be purchased on any property through the National Flood Insurance Program and Private Markets.
Due to the low maximum limits allowable on the National Flood Insurance Program’s standard flood policy of $250,000 for the Dwelling and $100,000 for your Contents, private markets will write excess flood policies providing you with an extra layer of flood protection if your limits are exhausted on your primary flood policy.
Building your dream home or renovating that perfect brick ranch? A standard homeowners insurance form will not support ground-up construction or major renovations. Call us today to discuss your options.
We offer insurance coverage for your rental property, whether short-term or long-term rental. It is important that coverage on your rental property be properly written on the broadest form available for these risks with an adequate amount of loss of rental income coverage.
Condominium Unit Owners
This important coverage picks up where the Regime or HOA’s policy ends. This policy form has the ability to include betterments and improvements made to the building, personal property, loss of use and liability coverage for your owner occupied condominium unit or your condominium unit used as a rental.