A homeowners insurance policy helps protect one of your most valuable assets in case of loss. By working with you, we will advise you on a policy that will give you the best, most effective cost coverage for your needs.

Benefits

Home Replacement Coverage - For homes insured for 100% of their replacement value, damage resulting from a covered incident will be repaired in full, even if the repair cost exceeds the policy limits.

Contents Replacement Coverage - Replacement cost coverage provides for the total replacement of your contents that are destroyed by a covered loss up to the policy limits, without any deductions for use or depreciation. Your deductible would apply.

Electronics and Valuables Coverage - You can add additional protection for your valuables such as jewelry, furs, stamp and coin collections, silverware, home computers, and cellular phones. Check with us regarding the limits of your homeowners policy, and if one or more of these additional coverages would be right for you.

Package Policy - By combining your homeowners or renters or condo coverages, your auto insurance, and your personal liability coverage all into one policy, you get additional protection through higher limits than with separate policies. And best of all, a package policy costs less than separate policies.

Plus, you have one helpful agent, one policy, and one renewal date.

And while you're thinking about it: don't forget your valuable items such as jewelry, coin and stamp collections and coverage for your boat.

Discounts

Some or all of these discounts may be applicable to your situation. Check with us to see which ones apply to you, and how much they will reduce the cost of your insurance.

• Home sprinkler systems
• Fire and burglar alarms
• Smoke detectors
• Dead-bolt locks