Your home is your largest asset along with your personal property. It’s important to protect them and understand how it works. We cover many types of home insurance, from Renters, Homes, Manufactured Homes, Condo’s, Rental Properties, Vacant land, Vacant homes, Farm/Ranch, etc. The options are amazing when you work with us. As an Independent Agency we have many carriers to help assist in getting the best price for you and they are there when the BIG companies cannot assist you (those tougher situations i.e older roofs, log homes, etc)
Some terms you will see on your policy you will need to understand will include:
Dwelling Coverage: This is the replacement cost of your home if you had a full loss and had to rebuild your home. Don’t make the mistake of thinking it should relate to the price you bought your home for. This is the real cost of construction and expenses to rebuild. We have the tools to build the price so your in good hands.
Personal Property: What if you lost everything from your socks, silverware, computers, furniture?? Let us make sure your covered if that were ever to happen. It adds up quickly and the pain of a loss is hard enough. Don’t make it worse by not having enough insurance.
Loss of Use: Where are you going to live? What if the rebuilding process takes months?
Detached Structures: This covers those items not attached to your home: outbuildings, detached garages, etc.
There are additional options, so if you work from home you may need a rider. Back up of sewer and drain coverage can be a must with sump pumps.
Let us complete a personalized quote based off of your needs. Contact us today!