Home insurance is more than a policy—it’s your peace of mind. Protect your biggest investment from the unexpected with coverage tailored to keep your home and loved ones secure. Let us help you find the right plan today!
Home insurance protects your property, belongings, and finances from unexpected events like fires, storms, and theft. It also offers liability coverage if someone is injured on your property.
Understanding your policy ensures you’re prepared for anything life throws your way. Have questions? We’re here to guide you through the details and find the coverage that fits your needs.
The 80% rule means that an insurance company will pay the replacement cost of damage to a home as long as the owner has purchased coverage equal to at least 80% of the home’s total replacement value.
Personal belongings are typically covered for up to 50–70% of your dwelling coverage limit, depending on your policy. Items like jewelry, firearms, antiques, and art may have coverage limits, but you can purchase additional coverage through endorsements. Check your policy or contact us for specific details.
No, many homeowners’ insurance policies do not include water and sewage backup. However, this coverage can be added to your policy. When added, it covers damages to your home caused by backups and sump pump clogs.
To determine an item’s ACV, an insurance adjuster starts with the cost of replacing your damaged or stolen property and reduces the value based on depreciation factors like age and wear and tear. The process may vary by insurer, but your adjuster can help you understand the factors involved.
From unexpected damage to everyday peace of mind, safeguard your home and everything in it with trusted coverage.
