Recent catastrophes, escalating personal liability judgments, and a rise in identity theft have sparked concern with consumers regarding how their homeowner insurance policy protects them. Most consumers only become aware of the many differences in available protection after a loss has occurred.

Available options most standard policies do not include are:

  • Guaranteed Replication Cost – Replacement cost coverage that promises to replicate your home regardless of the cost and with quality materials. Most standard policies cap replacement value and provide builders grade materials.
  • Cash Settlement – Gives you the option to rebuild your home on site or take cash settlement.
  • Identity theft protection and restoration services
  • Unlimited back up of sewer and drain coverage
  • Business personal property coverage of $25,000 – most policies provide substantially lower limits of business property on or away from your residence.
  • Earthquake Coverage
    • Home

      Homeowner insurance policies vary greatly from one company to another.  A wide range of coverage enhancements are available from each company.  We will evaluate your needs and present you with options and explanations of the differences.

    • Condo

      Condominium owners insurance needs to be tailored to the individual needs as well as comply with the Association by laws.  We will do a thorough job of review your Association by laws and provide you with a comprehensive solution.

    • Renters

      We offer affordable coverage for renters insurance.  Whether you are just starting out or an established renter we have a product suited for you.  And, by bundling renters and auto insurance you can realize discounts on both!

    • Secondary

      Seasonal and secondary residences are a treasured asset.  Make sure you have the right coverage to properly protect you for both property and liability.  We will prepare the same thorough evaluation for your secondary that you should expect.

    • Identity Theft

      We have various options to help you both with the recovery process and incidental costs.  Some of the options will “reimburse” and others will provide full service for assist and guide you through the process.  Let us help you understand the differences.