Homeowners Insurance

Your home is likely to be the largest investment you will ever make, so it is imperative you adequately protect it. Homeowners insurance helps minimize the repairs, replacement costs and living expenses if something happens to your house. Fire, wind, hail, lightning, theft – you’re covered. When you buy a home, your lender typically requires home insurance to cover risk, so plan for the unexpected now and get coverage at a price you can afford.

Just because your landlord may have insurance coverage on the structure in which you live, that does not mean that your personal possessions are insured. Renters insurance can provide that protection. For relatively inexpensive premiums, you can get the money you need to replace damaged or stolen belongings.

Many times, a traditional homeowner’s policy is not available for properties such as a camp or even a vacation home. In order to protect these asset from major perils, a dwelling policy may need to be put into effect. Please call us if you have specific questions regarding insurance coverage for property of this nature.

Personal umbrella insurance provides additional protection on your assets should the limits on your home, auto, or other coverage be exhausted. Should a judgment be awarded against you, you are responsible for paying the damages that exceed your insurance coverage. Personal umbrella coverage protects you from having to liquidate any of your assets in order to pay such damages.