For most people Homeowners Insurance protects their single largest investment. In addition to providing coverage for the dwelling, Homeowners Insurance also covers personal liability and medical payments. Valuable articles such as jewelry, fine arts, furs, silverware and even a wine collection can be added to a homeowner’s policy.
Not all Homeowners policies are the same. For example, some policies provide coverage for guaranteed replacement cost, earthquake or back up of sewers and drains while others do not. Some policies provide expanded coverages in order to differentiate themselves from the policies of other companies.
It is important to review your policy periodically keeping in mind any improvements or major purchases you may have made.
Most companies offer potential discounts for newer dwellings, higher deductibles, fire and burglar alarms and if the auto is insured with the same company.
Please call one of our agents to discuss your home insurance needs.
We represent a number of excellent companies – here are a few links for additional information: