Even though there’s no law that requires home insurance, most people can agree that protecting your largest investment is a good idea. Mortgage lenders do require you to get home insurance coverage before they will agree to finance your home purchase because it protects the mortgage lender’s investment by providing the money to repair or rebuild the home if it is damaged or destroyed by a fire, a lightning storm, a tornado or some other covered event.

Don’t wait until after a devastating event like a hurricane to realize that even though you may have been pleased about the low rate, your home was underinsured and doesn’t qualify for the repairs it desperately needs.

Here are some things to consider when choosing Homeowners Insurance:

  • The value of your home and your It is important to have a policy that covers the value of the structure of your home, and determine how much it would cost to rebuild
  • Inventory your belongings to see if their value falls within the policy dollar limit for personal property (typically set at 50% to 70% of the amount of insurance on the dwelling)
  • Can you bundle multiple policies and/or install smart home technology for a ‘green’ home? We can share ways you can potentially save on your homeowners insurance

Types of Coverage

Homeowners insurance coverage can help pay to repair or rebuild your house and possibly other structures on your property, such as a detached garage or a storage shed, after damage from a covered loss.

Homeowners insurance can help pay to replace your possessions, from your couch to your great grandfather’s war memorabilia, if they’re damaged or destroyed by a covered loss.

Your homeowners insurance policy may include additional living expenses (ALE) coverage to help cover the cost of a hotel or other lodging while your home is being fixed or rebuilt.

If a guest slips on your walkway, you could be held liable. In this case, your homeowner’s insurance can help cover the related medical bills, your legal costs and potential court awards up to the dollar limit determined in the policy.


Give us just a few minutes to get you a condo insurance quote.

Condominium owners’ insurance can protect you and your unit from the unexpected including:

  • Personal liability coverage, which can provide coverage if someone gets hurt while visiting

Coverage for your personal property, such as your furniture and electronics


Landlords’ insurance is an insurance policy that covers a property owner from financial losses connected with rental properties. The policy covers the building, with the option of ensuring any contents that belong to the landlord that are inside. Owning property can be financially beneficial, but it can also make you liable for damages. Landlord policies can be used on a single-family home that is being rented to a tenant. It can also apply to other living quarters like apartments, mobile homes, condos, and duplex units. Landlord insurance is usually classified as a liability policy.


Almost all of us are looking for ways to save money but the good news is that rental insurance is generally affordable, depending on your location and the amount of coverage you purchase. Renters insurance can help cover the loss of or damage to your possessions due to fire, vandalism, or burglary, additional living expenses if you must leave your home due to a covered event, and may protect you from personal liability claims, too.

We are committed to providing excellent customer service and honest insurance advice. When you provide us with an itemized list of your belongings, our agents will help you find a policy that offers the best possible coverage at a rate that suits your budget.