Homeowner’s & Renter’s Insurance

Your Home is Your Sanctuary and We Protect it Like One

There are no two homes that are exactly alike. Different types of residences have very different types of insurance needs. Therefore, buying a policy “off the shelf” without fully considering your personal risks may cost you in the long run. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle.

Our Personal Insurance Advisors will evaluate your home thoroughly to make sure we understand its custom features and unique value. We complete our analysis by ensuring your policy extends to provide the necessary coverage amounts in the event of a loss.  

What Can Your Homeowner’s Policy Cover?

  • Damage to your home’s physical structure
  • Damage to other structures like garages or sheds
  • Your personal belongings, whether they are in your home or elsewhere
  • Temporary living expenses in case your house becomes uninhabitable due to a covered loss
  • Your personal liability in the event someone is injured or their property is damaged

Things to Consider with Home Insurance

Replacement Cost

Without adequate coverage, a loss may not be totally covered by your insurance policy. When you work with a licensed Brown & Brown agent, during our risk assessment, we identify specific details of your home with you to calculate the true cost to rebuild your home with like kind and quality. Having your home insured 100% to its replacement value will prevent a gap in coverage or a co-insurance penalty for being underinsured.

How to Save Money on your Home Insurance

Along with our competitive rates, you can get an array of money-saving discounts based on factors like your claim history and your home’s safety features such as smoke detectors, dead bolts, fire extinguishers, and central station-monitored alarm systems. In addition, you can get discounts for renovations to older homes, newer home discounts, and by packaging your auto & home insurance with the same company!

How is Renter’s Insurance Different and Why is it Important?

Your landlord is responsible for insuring the building that you are living in. However, in most cases, your landlord will not cover your possessions in the event of a catastrophe. Renter’s insurance is affordable and can not only protect your belongings on and off premise but can also protect you if you are responsible for property damage or injury to others. Let our experienced and knowledgeable advisors walk you through the coverages available to help you determine what you need to be protected.

What is Not Covered with Your Home Insurance?

Home insurance policies do not cover damage caused by earthquakes or floods. Even if you are not in a disaster-prone area, disaster can strike at any time. Ask us how to protect yourself and review your policy exclusions.

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