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We offer a
wide range of coverage's to address your insurance
needs, whether you own a mobile home or you rent or own
a home, condominium, townhouse or apartment. We have a
homeowners policy to cover your needs Call us or request
a quote below.
CLICK HERE for a Quote Request Form
Types of
Policies
Important
Considerations and Money Saving Tips
Homeowners
Our
Preferred Homeowners policies offer you liability,
building, and personal property coverage for losses
due to many perils, including fire, theft, wind and
lightning. We also offer various optional overages
that will help you build a policy to meet your
individual needs.
Homeowners insurance policies can be divided into
two categories. They are Replacement cost and Market
value policies. Replacement cost policies are those
where the cost to replace the building and contents
are close to or below the value of the property.
Market value policies are those where the market
value of the home is substantially below the
replacement cost of the home. We have carriers who
offer preferred contracts for both of these types of
Homeowners policies. Call us for a quote of fill out
the quote request below.
Replacement Cost on Contents is provided with most
of our plans, or can be purchased for additional
premium. This coverage provides for replacement of
your damaged property without deduction for
depreciation, subject to certain qualifying
conditions and limitations. We strongly recommend
this coverage to all policyholders.
If your
home becomes unfit to live in because of damage from
a covered incident, your homeowners policy provides
payment for the increased cost of lodgings, meals,
etc..
Condominium, Apartment and Townhouse Renter
These
policies are designed to meet your coverage
requirements when you live in a condominium or
townhouse. Coverage's are offered for assessed
losses as well as personal property damage and
liability protection.
Apartments and Condominium Associations generally
carry insurance that covers the building. You need
insurance to cover your own possessions. Renters and
Condo insurance policies cover your personal
property, including: furniture, clothing, drapes and
decorations, appliances, etc. Valuables such as
jewelry, computers, art and silverware require
additional insurance provided by a "rider" to your
policy. In addition to property coverage, most of
these policies include liability coverage to protect
you if someone is injured due to your negligence.
Replacement Cost on Contents is provided with most
of our plans, or can be purchased for additional
premium. This coverage provides for replacement of
your damaged property without deduction for
depreciation, subject to certain qualifying
conditions and limitations. We strongly recommend
this coverage to all policyholders.
Our
Renters Package provides you with the liability and
property protection renters need. We can provide
specific details on the various types of coverage
available on this policy. For complete information
about the benefits and coverage's of any of our
homeowners plans, please contact us.
The
Renters Package Policy cover the renter's personal
property and building additions and alterations and
loss of use on a named-peril basis. In addition,
this policy protects you and your family members
against damages for which you are legally
responsible, arising from bodily injury or property
damage.
Condominium, Apartment and Townhouse Owner
The Townhouse and Condominium Owners
Package Policy covers the dwelling and separate
structures on an accidental direct physical loss basis
and personal property on a named-peril basis. Loss of
Use is covered on an accidental direct physical loss
basis for Townhouse and on a named peril-basis for
Condominium. In addition, this policy protects you and
your family members against damages for which you are
legally responsible, arising from bodily injury or
property damage.
Named Peril Homeowners Policies carry
the following overages:
1. Fire or lightning damage
2. Windstorm or hail damage
3. Damage caused by explosion
4. Damage caused by riots or civil disturbance
5. Aircraft damage
6. Vehicle damage
7. Smoke damage
8. Vandalism or malicious mischief
9. Loss from theft
10. Glass breakage
11. Damage caused by volcanic eruption
12. Falling objects
13. Damage caused by collapse due to weight of ice, snow
or sleet
14. Freezing damage to plumbing, heating/air
conditioning or household appliances
15. Accidental discharge or overflow of water from
plumbing or a heating/air- conditioning system
16. Damage from a sudden and accidental discharge of an
artificially generated electrical current
17. Damage caused by sudden and accidental tearing
apart, cracking, burning or bulging of a
heating/air-conditioning system, a fire-prevention
sprinkler system or an appliance for heating water
Here is a list of a few perils
commonly EXCLUDED from homeowner’s policies (Check your
policy for specific exclusions):
1. Damage caused by flood
2. Damage caused by earthquake
3. Damage caused by war or nuclear accident
4. Damage caused by earth movement
Mobile Home
Enjoy
carefree mobile home living with our Mobile
Homeowners Insurance. Our policy protects you
against financial loss resulting from certain perils
that may occur.
The Special Form Homeowners Package Policy
The
Special Form Homeowners Package Policy covers the
dwelling, separate structures and loss of use on an
accidental direct physical loss basis and the
personal property on a named-peril basis. The named
perils include such perils as fire, extended
coverage, broad form and theft. In addition, this
policy protects you and your family members against
damages for which you are legally responsible,
arising from bodily injury or property damage.
Liability Coverage
This
coverage is part of your homeowner’s policy. It
protects you and your family against claims arising
from bodily injury or property damage for which you
are legally responsible. Examples of situations
covered by liability insurance include: if someone
slips and falls on your property, if your dog bites
a neighbor, or if your broken pipe causes damage to
a neighbor's condominium. You can add a liability
"umbrella policy" to your homeowners insurance to
provide additional protection.
How to Get the
Lowest Rates
Insurers
frequently award lower rates to homeowners who guard
against theft, accidents and other losses. And
companies may provide discounts to premium for
multiple-customers (home and auto). Here are some
things you can do that generally qualify for lower
premiums:
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Secure your home with dead bolts
and window locks.
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Install a security system with
outside signal and connection to local police.
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Install and maintain smoke
detectors.
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Install a sprinkler system for
fire.
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Install a fire alarm that
automatically alerts the local fire department.
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Stop smoking.
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Keep walks and entrance ways
clear of snow and ice.
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Purchase your auto and home
insurance from the same company.
Keeping
Your Policy Up-To-Date
Inflation, new purchases, additions -- there are
many things that can change the amount of insurance
you need for your home. The best way to know is to
reassess the value of your home and possessions on
an annual basis and adjust your insurance
accordingly. We will be happy to provide you with a
no-obligation Review to help you.
Homeowners Insurance and Mortgage Life Insurance
There
are two basic ways to protect your home through the
purchase of insurance. The first is homeowners insurance
which covers your home and its contents. The second is
mortgage protection (a life insurance policy that pays
off your mortgage in the event of death). We can assist
you in determining which insurance is right for you.
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