Is Your Home Really Protected?

For most of us, our home is more than just a source of pride—it’s the largest purchase we’ll ever make. Yet many people are unsure of the insurance coverage they need to protect their home.
Your homeowner’s policy may cover the house itself, but what about other structures such as a detached garage, guesthouse, fence or pool? Are they fully covered?
If you lose your home, will it be rebuilt at its full replacement cost? Can you survive a lawsuit if someone is injured on your property and sues?
And what about your personal household belongings? If destroyed by fire, will they be replaced without a deduction for depreciation?
Being a former licensed adjuster and current full service agent, I can help help you find the answers. I will guide you through the many insurance buying decisions and help you structure a homeowner’s policy to fit your needs.

Insurance Covers You From Basement to Roof*

A homeowner’s policy covers not only your home, but also attached structures like garages and carports. They extend to detached garages, guest houses, tool sheds, fences, pools and many other structures too—and additional coverages are included for landscape items like trees and shrubs, and the cost of removing debris after a covered loss.

The liability portion covers you in many instances when you’re legally obligated to pay for physical injuries to others, or damage to their property. Additional coverage for certain types of nonphysical injuries—including libel, slander and trespass—is also available. And if you’re sued, your policy will also provide for your defense and pay the legal costs for covered losses, even if the suit is groundless, false or fraudulent.

Customized Protection
for Your Personal Property

Insurance can be tailored just for you, with special options like Personal Property Replacement Cost Coverage for the contents of your home. In most cases, there’s no deduction for depreciation when stolen or damaged items are replaced.
You may also want to consider increased coverage for valuable items like jewelry, camera equipment and silverware.
With Personal Property Replacement Cost Coverage, your personal property is protected wherever you go, just down the road or throughout the world.

Enjoy Great Discounts

Protective Device Discounts

The more devices, the more you save, up to a maximum of 15%. Devices include:

• Dead-bolt locks, smoke detectors and fire extinguishers
• Burglar and fire alarms
• Fire sprinkler systems
• Gated and guarded community security

55 and Retired Discount –

Save up to 10% when at least one named insured is 55 years of age or older and retired.

Hail-Resistive Roof Discount

Save from 1% – 35% depending on location and roof’s impact resistance rating.

Age of Home Discount

Save up to 27% on a new home and lesser amounts if it’s under 10 years old.

Save Even More When
You Insure Your Auto Too

When you insure both your home and your car, you could save up to on your homeowner’s policy by bundling and save from 11%-16% on your auto policy.