Homeowners Insurance
Helping You Find the Best Insurance
As an Independent Insurance Broker, we give you choices. We are proud to represent many quality companies that provide our clients with great service and competitive prices. We are not limited to a single company with a limited set of options. We are dedicated to help you find the right coverage at the right price.
Let our experience and expertise go to work for you. We are here to help.
Homeowner Insurance At A Glance
Homeowners insurance is designed to provide financial protection for you in the event of a disaster. Standard homeowners policies are package policies. They provide coverage for your property, both your home and its contents, as well as providing personal liability coverage.
Most disasters are covered by your homeowners policy, but there are exceptions. Problems that may affect your home caused by lack of routine maintenance are generally excluded from your policy. Damage caused by earthquakes is not normally covered by a homeowners policy. Earthquake coverage must be added to a homeowners policy through an endorsement or must be carried as a separate policy. Another coverage that is not included under the normal terms of your homeowners insurance policy is damage caused by floods. Flood insurance may also be purchased on a separate policy. There may be other exceptions and non-covered events in the terms of your policy.
Remember, you should always check with us if you have specific questions regarding your policy coverages.