There’s no place like home. Keep it protected with coverage you can trust.
Shopping for homeowners insurance can be a chore and extremely time consuming, but there is no need to worry. We will provide you with the ample knowledge necessary in making a sensible decision for you, your family, and your home.
A standard homeowner policy protects you against:
- Smoke Damage
- Falling Objects
- Weight of Ice and Snow
- Theft of personal property
Damages that are EXCLUDED from your standard homeowner policy:
- Water Backup/Sump Overflow
Coverage may be purchased for the above exclusions.
Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.
Common items that can be added as scheduled property:
- Musical Instruments
- Golfers Equipment
- Fine Arts