Homeowner's Insurance

A homeowners policy is a combination of property and liability coverages. We will sit down with you and tailor a policy to meet your specific needs. Most policies provide coverage against risks of direct physical loss to real property, except for those causes of loss that are specifically excluded such as flood, nuclear radiation, earthquake, insects & termites, and normal wear and tear.

Personal property is covered against direct physical loss caused by a specified peril such as fire, lightning, wind, smoke, explosion, civil commotion, hail, aircraft, vehicle, riot, theft, and freezing/burst pipes. Additional coverages are available for: debris removal, fire department charges, reasonable repair charges, property removal charges, and coverage for trees, shrubs and plants. Coverage is also included for loss involving credit cards, forgery, and counterfeit money.These additional coverages are included to provide protection for the insured following a covered property loss. Each additional coverage has limitations and is subject to certain conditions.

• Dwelling

• Other Structures
• Personal Property
• Loss of Use
• Personal Liability
• Medical Payments
• Endorsements

Property & Liability Insurance

Inflation, increased cost of building materials and labor costs have caused construction costs to rise.
Quite simply, it costs more to build and furnish property today than it did just a few years ago. We
suggest coverage along with a periodic review of your building, equipment, and contents values and
a corresponding increase in insurance to reflect current replacement values. Nearly all insurance
policies contain co-insurance. Under this provision you may find yourself sharing in the claim costs
incurred (after the deductible is met) according to a specific formula if your property values are not
kept up with current costs. This co-pay can have significant negative consequences at the time of
a loss.