Home and Renters Insurance
Homeowner Insurance and Renters Insurance is there to help replace and cover the cost to repair your home, apartment, condo and your belongings if they were to be damaged in a fire, natural disaster, or even theft. The only difference between homeowners insurance and renters insurance is renters coverage your possessions and injury damage only while homeowners coverages all of the above as well as the dwelling.
In addition to your standard underlying coverage, we can help you with complex policies specific to your needs:
Personal Property Dwelling Flood Liability Protection Medical Expense Fire Natural Disasters Additional Living Expenses (ALE) Replacement Costs Vandalism Neglect Personal Liability Loss of Use Identity Theft |
Blog Articles on Homeowners Insurance
Prepare Customers for Freezing Temperatures
It is that time of year again. Winter often brings glacial temperatures and when temperatures start to tumble, the water that supplies your home’s faucets and fixtures can be in the danger of freezing inside of the pipes. Because water expands as it turns into ice, frozen pipes are prone to bursting, which can result in costly water and plumbing damage throughout your home. At the highest risk of freezing are pipes that run along exterior walls of your home and those in unheated or uninsulated places, such as attics, basements, or garages. |
Inflation: A Pickle for Property Insurance
All of us are feeling the grip of inflation. Building materials costs have spiked over the last 2 years. Supply chain disruptions and labor shortages are causing major delays in construction projects. As a result, it now costs more to rebuild your home than it did before. When was the last time that you checked your policy limits? Are they high enough to cover a 26% increase in building costs? If not, then you have to pay the difference out of pocket. |
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