You have to ask yourself…
What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Two out of three American homeowners are underinsured, so there's a good chance you would be stuck paying out of pocket for some of the repairs.
These questions are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:
Your representative took the time to make sure you have the right protection
Your insurance agency has your back
Protects your home's structure, built-in appliances and wall-to-wall carpet from damage.
Helps cover your personal property not attached or built into your home.
If an accident occurs in your home that damages someone or something, personal liability can help pay those damages.
Can help pay to rebuild your home to current building codes after a covered loss.
Covers additional structures not attached to your house. This could be a shed, fence, barn, or detached garage.
May help pay for medical or funeral expenses of someone who is injured on your property.
Coverage to help pay for additional living expenses if you're unable to live in your home due to a covered loss.
As an independent agency we have dozens of insurance carriers competing for your coverage. We will compare coverage & quotes to ensure you are getting our best plan.
Our experienced insurance professionals are here to formulate your personal insurance plan and help you understand the insurance programs suited for you.
Our dedicated agents are ready to serve you and can answer any questions you have about your insurance plan.
Accidents happen. We are here to guide you through the claims process when something goes wrong.
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.
Farm Insurance 101: When Homeowners' Insurance is Not Enough
Farm insurance is a unique and specific type of insurance coverage. Farm insurance protects the many assets you have worked so hard to gain and maintain over your life. A farm insurance policy offers protection for your home, personal property, equipment, livestock, crops, and many more assets.
Two Out of Three American Homeowner's Are Underinsured
You may not have enough homeowner's insurance. Things to consider when shopping for homeowner's insurance.
Are Your Valuables Covered?
Personal inland marine insurance, also known as scheduled personal property, can provide coverage for your personal property that is typically limited under property coverage.
You Need Personal Cyber Insurance
Were you hacked? Again. Cyber attacks are on the rise and they don't attack only businesses. You need personal cyber insurance.
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including: