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Home Insurance
What is Homeowners Insurance?
One of the most important assets you will own in your lifetime is your home. David customize your insurance coverage to best suit your family and your budget. Your protection covers you, your home, and personal belongings from theft, fire, severe weather, accidents, and other perils.
If something unexpected happens your insurance can pay for related expenses resulting from the loss.
What does Homeowner Insurance Cover?
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Dwelling/The Structure of your home - Covers the cost of fully replacing your home
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Other Structures on the property- Covers any structure on your property that is not attached to your home. Unattached garages, sheds, fences,...
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Personal Property- Covers reimbursement of your belongings. Your furniture, electronics, clothes,...
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Loss of Use- In the event, your home is uninhabitable after a covered loss , your insurance may cover living expenses for the hotel, food,...
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Medical Expenses- Covers medical expenses to others who are injured on your property, not those living in your home
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Personal Liability- Covers you if there is a claim when someone else is injured or their property is damaged
Optional Coverages
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Umbrella Policies- adds extra liability coverage to your existing home and auto policies
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Personal Articles- high-valued items, such as jewelry and fine art
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Flood Insurance
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Weather-Related Damage
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Water Backup and Sump Pump Overflow
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Equipment Breakdown
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Buried Utility Lines
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Identity Fraud
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Refrigerated Property
Vacation Homes
Condo Insurance
Vacation Home Insurance covers and protects your home all year round.
Condo Insurance coverage whether you own or rent.
Renter's Insurance
Rental Property
Similar to Homeowners Insurance, Renter's Insurance only covers your personal property and liability.
Rental Property Insurance is a special coverage for landlords.
Personal Articles
Flood
Personal Articles Insurance covers high-value items such as jewelry and fine art.
Flood Insurance is a separate policy that covers the home from damages to due to a flood.
Comprehensive policies at affordable rates with
major insurance carriers such as:
and many more.