When most people think of homeowner insurance they think of it as fire insurance.  Fire is an important coverage under the homeowner policy; however a good homeowner policy covers its owner for a lot more than just fire.  We try to write every new homeowner policy on a HO-3 (Special Form) basis.  This policy will cover you for anything that happens to your home that the company does not explicitly state is not covered.

We would be able to provide coverage for replacement cost on your home as well as its contents.  We also have programs for businesses run out of your home — coverage that you might need but just have not realized your current policy would not respond to. There is very little coverage under a homeowner policy for a business run out of your home. We can make sure you are covered because let’s face it — the time to find out you are not covered for something is now and NOT when you have a loss!

We have several competitive insurance companies that will give you discounts on your homeowner policy for insuring your automobiles with them, for having smoke detectors or dead bolts, and even for being retired.  There are all kinds of ways to save money without sacrificing your coverage.

Pull out your homeowner policy and give us a call today or fill out a homeowner quote request form and make sure your home is protected at a price you can live with! The quote is free and could end up saving you a nice chunk of change.