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Homeowners Insurance


To protect your home, the contents in your home, liability to others at your home, and additional living expenses in the event you have to live elsewhere while you home is being repaired/rebuilt.

With access to over 20 top rated Insurance Carriers we will get you the most coverage for the best price!

Coverages include;

  • Replacement value of your home - Covers the repair or replacement of the damage to your home or property.

  • Guaranteed Replacement cost - In addition to the above coverage this will guarantee your home is rebuilt exactly as it was prior to the damage. This is an extended coverage available in the event that the limits you purchase do not provide enough coverage to rebuild your home exactly as it was prior to the loss, due to higher construction costs etc.

  • Inflation Guard - This will automatically adjust your limits when you renew according to construction costs in your area.

  • Personal Property - This coverage can be provided as either replacement value coverage or actual cash value coverage.

  • Additional Living Expenses - Provides expense reimbursement for living expenses while your home is being repaired/rebuilt.

  • Floaters/Endorsements - This is coverage for expensive possessions such as jewelry.

  • Liability to others - This will protect you financially against lawsuits for bodily injury or property damage caused by you or other family members.

  • Special Coverage - This would include items that only carry minimal coverage under your standard homeowners policy but are considered high risk assets, such as a pool, shed, fence, etc.

  • Umbrella Coverage - If you have other assets that are greater than your liability limits this will provide coverage in excess of your liability limits on either your home or vehicle. This is a separate policy.


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