Have you had an insurance check up lately? When was the last time you reviewed your insurance needs? We purchase insurance at a specific time for a specific need. Over time our needs change but has your policy changed to meet your needs?

In today’s competitive home owner industry, you need an advocate on your side. We also know that your insurance requirements are unique to you and only you. This is why we represent over 20 top flight home owner markets.

Home owner insurance provides coverage for one of your largest personal assets. Home owner insurance is based on the replacement cost of your home, not market value. In simplistic form, if your home was a total loss today- how much money would you need from an insurance carrier to rebuild your home as if the loss never occurred?

Other parts of a home owner policy include but not limited to

• Loss of Use: We will cover additional living expenses while your home is being repaired due to a covered loss.
• Other structures: We will cover additional “man” made additions to your property including fences, sheds, flag poles, and private utility poles.
• Personal Property: Your personal items that are not permanently attached to your home, not including autos and other motorized vehicles.
• Personal Liability: Coverage in case someone sues you do to alleged negligence on your part.

Home owners insurance can also be expanded to include jewelry, sporting equipment, and coverage for earthquakes just to name a few.