Home Insurance

Personal Coverage

“In Every Phase of Your Life”

HOME INSURANCE - PROTECTION FOR YOUR BIGGEST ASSET

From a starter home to your dream home, it’s the dream that you have worked to call it home.  We’ll help you plan for the unexpected with coverages that bring you peace of mind in your current life phase.

Your home is your family fort that brings rest, memories and legacy, so it’s priority that you have the right policy that will protect the little things, from a broken window to the one-of-a-kind painting from the Romanticism era. 

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We navigate each case as a unique opportunity and in the process, 

we simplify life.

Secondary Home

Owning a secondary home has the potential of increasing the liability exposure. 

✔︎ Solution...More

✔︎ Solution - Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits. 

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Umbrella/Excess Liability Coverage

You invite a guest over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer, do you have the savings and time to contest it? 

✔︎ Solution...More

✔︎ Solution - An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners’ policies to provide real financial protection as well peace of mind. The excess(additional) liability coverage is available by either an endorsement to your home policy or available as a stand-alone coverage. 

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Miscellaneous Coverage

A trampoline excitement in your backyard can quickly turn into serious risk. 

✔︎ Solution...More

✔︎ Solution - Make sure you update your home policy upon adding a trampoline or other backyard excitement. 

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Medical Expenses

Your son's friend's get injured while playing soccer in your backyard. 

✔︎ Solution...More

✔︎ Solution - In most cases your home policy will have medical expenses coverage. 

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Personal Liability

In the unfortunate event that someone slips and fall. 

✔︎ Solution...More

✔︎ Solution - Your home policy should have personal liability coverage to cover the incident where injuries or damages occur to a third party where you may deemed negligent. 

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Personal Property/Contents

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed. 

✔︎ Solution...More

✔︎ Solution - Your home policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who lived with you. Make sure your current policy includes replacement cost coverage. 

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Water Backup

Most policies excludes coverage for water back-up damages as a result of a clogged drain, sewer or sump pump.

✔︎ Solution...More

✔︎ Solution - Water backup coverage can be added to most insurance policies. Consider adding it in the event of damages caused by water back-up. 

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