Home Insurance

Your Home is Unique

Home insurance covers the hazards that most homeowners face—everything from fire to theft, to the very rare aircraft collision. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus your stated deductible.

Home Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.  For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

A typical policy also protects you from having to pay for:

  • Storm damage, fire, windstorm, lightning and hail, to name a few.
  • Dog bite liability 
  • Guests injured by your trampoline or swimming pool 
  • Wind damage
  • Your personal property

Just like your home, your home insurance needs are unique.  We take a custom approach to all of our clients needs beyond what the typical policy covers.  We look forward to learning more about your concerns, discussing how to property protect your assets and provide you peace of mind. 

Little known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer back-up unless you purchase a special endorsement—it’s not expensive, but you won’t get it if you don’t ask for it
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A Homeowners policy typically does not include coverage for Flood and Earthquake
  • A standard homeowner policy only covers jewelry up to set limits if the loss results from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a home theater system for $5,000, it may now only be worth $1,000, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.