When it comes to insuring your home, we offer many options! We cover the following:

Primary Home

Rental Home

Secondary Home ( also known as weekend or summer home)

Airbnb and vacation homes alike

Landlord Property

Vacant Property

Mobile Homes

Renter’s Insurance

and more!

Please stop in or call us for a free quote!

Generally speaking, a homeowners Insurance is a package policy which provides coverage for items you
need coverage for: such as your home, other structures on your property, your personal items, loss of use and liability.

Dwelling Coverage:
Dwelling coverage is generally the first thing listed on your homeowner’s insurance. The dwelling refers to your home. A calculation is generally done to confirm your home is insured for the correct replacement cost value.

Other Structures:

This coverage is for other structures on your property that are not attached to your home. Things like your pool house, shed or she-shed, detached garage, workshop, etc.

Contents/Personal Property:

Contents coverage covers things like your sofas, Samsung Flat Screen 4K TV, Calphalon Pots and pans and other miscellaneous items in your home. Most companies even offer a small set amount to cover jewelry, furs, fine arts, etc. However, we always recommend noting larger price tag items to make sure they are properly insured.

Loss of use:
In the event that your home is damaged or destroyed, loss of use coverage provides a set amount of money to cover the cost of other living arrangements. 

Liability:

Liability coverage is most commonly referred to as “slips and falls” coverage. This provides coverage for injuries to visitors that may occur on your property as well as the cost of other people’s property that is damaged by or on your property. This coverage is activated when it is determined that a loss occurred and you are at fault.

Medical Payments

Medical Payments cover medical expenses like ambulance rides, doctor visits or injuries.

Life Insurance is providing financial security for YOUR FAMILY.

Life Insurance replaces income lost by the death of the wage earner.

It means that the people you love can have the life that you wanted them to have i.e. the college education or staying in the home they live in.

How much Life Insurance do you need?

That is your decision.  We will customize the program to reflect what you want to achieve.

What kind of insurance should I buy?

That depends.  There are two (2) kinds of life insurance.

TERM Insurance

Term Insurance only provides a death benefit and is similar to renting a house – you have no equity in the policy.

Permanent Insurance

Permanent Insurance provides lifelong protection and is known by a variety of names- Whole Life, Universal Life, Variable Life, just to name a few. Most permanent policies have a feature called cash value.  This Cash Value builds equity similar to the equity you build in owning a home.

Let’s chat to see what option is best for you and your loved ones!