homeowners insurance:

I think many times as a consumer we take things for granted or expect things are taken care of. WRONG! Very few things are done or covered automatically.

As with all insurance, it is in your best interest to sit down with one of our agents and do an annual review. Proper coverage is not always about price, however as an independent agency we will spend the time to find the best coverage for the best price to fit your needs.

When reviewing your Homeowners coverage's please consider these few topics:

• Proper valuation
• Replacement Cost / Actual Cash Value
• Special items / Scheduled Personal Property
• Package discounts
• Deductible credits
• Water Backup
• Refrigerated products
• Liability limits
  • Additional Insured's
  • Additional premises
  • Business pursuits

This is only a basic description of the Insurance coverage's that can be provided under a homeowner's policy. For a more complete description of the policy features available please contact us

renters insurance:

Do I really need it?

You've just moved into your new apartment, so now what? You need to purchase renters insurance! Can YOU afford to replace all your belongings if they were stolen or destroyed?

What will it do for me?

Renters insurance provides both liability coverage for you and your family and coverage for your personal property ( both inside and outside your apartment ).

The apartment owner's insurance policy does not cover losses to your personal property or cover you against liability claims. You need to purchase a separate policy to protect yourself.

I don't own that much!

You may not think it's important to have insurance, after all, it's not like you own the building! But imagine these scenarios:

• An electrical surge fries your computer, television and surround system.
• Someone trips over a power cord in your apartment and is injured.
• The building catches on fire and your belongings are lost due to water, smoke and fire damage.
• You have to pay for a motel room following the fire until the landlord fixes your apartment.

This list doesn't begin to elaborate on the possibilities for disaster - the list can go on and on! The best news us renter's insurance is very affordable! For a few dollars a month, you can get coverage for you and your property.

For a more complete description of coverages, exclusions or limitations please give us a call.