Home Insurance

Ready for Anything

Protecting one of your largest physical assets is very important. There are many different kinds of homeowners policies out there, so choosing the correct one can be difficult. We are here to help you through that process to find the best home policy for you to keep your piece of mind during inclement times.

​

There are two main types of homeowners policies out there. ACV (Actual Cash Value) and Replacement. When looking at a homeowner policy, you want your policy to be a replacement cost policy for your home. This means that it will take the cost to rebuild your home without factoring in a depreciated value of the items used.

​

Popular Endorsements:

​

Water back-up - This endorsement would cover the damage to your home is water backs up through toilets or floor drains

​

Utility line - Many don't know that the city utility lines that run from the road to your home are your responsibility. If anything happens to these and they need to be replaced, having this endorsement on your homeowners policy will help cover that cost.