Why an independent agent?

Why an independent agent? When shopping for auto insurance or business insurance, most people are unaware that there are different kinds of agents they can work with.

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Home Insurance

Homeowners Insurance Policy

Homeowners insurance

We protect the roof over your head and everything under it, especially your sense of security. We offer broad protection that you can trust, plus affordable rates and outstanding service. Homeowners Insurance Policy offers protection for your dwelling, as well as your personal possessions and personal liability. If something like a fire makes your home uninhabitable, we cover the increased costs of a place to live until you can move back in.  We can replace personal belongings at replacement value – not the depreciated value. Homeowners insurance can help protect you in case of a liability lawsuit against you.

This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person’s property
  • This could apply whether the incident occurred within your residence or elsewhere.

Insuring your home’s structure

Learn about setting the right deductible and getting coverage should you need to pay for rebuilding your home. The price you paid for your home is probably not the amount you will choose to insure it.

Insuring Your Personal Property

You’ve made a significant investment in your possessions, and they need to be protected. Read about category limits and per item limits that could affect the amount you are paid for covered lost or damaged personal items.

Liability Insurance

If someone accuses you of causing harm, it helps to have support in defending yourself. Discover how liability insurance can help protect your savings in the event of a lawsuit resulting from a covered loss.

Guest Medical Insurance

Find out how your insurance can pay for medical costs (up to policy limits) when someone is injured in a covered loss at your home.

Most Unfortunate Events are Covered

Most insurance companies offer coverage for the same events that may damage the structure of your home, including fire, smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, the weight of ice and snow and a few others.

Excluded Events are Named in the Policy

An agent can explain the events that would not be covered by your specific policy when it comes to your home’s structure. Typically, floods and earthquakes are excluded from basic policies, but you may be able to get insurance for those with separate policies. A few other conditions most companies specifically exclude are mold, fungus, wet rot, dry rot and bacteria.

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