We realize that most people don't understand (and aren't really interested in) the details of insurance policies. For 99% of people, your home is your # 1 investment and trusting its' protection to an insurance agent is an act of faith.  Our service reps know just how important your home is and we are determined to earn your trust and respect.  We can quote several different types of policies, with several different companies, each having its' own merits and limitations. 

A quick breakdown of each kind of policy is listed below:

We will listen, question, learn and match your home to the policy type best suited for your needs.  In addition to the above policy types, there are a large number of endorsements that can be used to tailor the policy specifically for you. 

If you would like us to give you a quote on your upcoming home policy, just give us a quick call.  It takes from 5 - 10 minutes to collect the basic information needed and get the ball rolling.  You can also send us an e-mail and we will call you.  Either way, a few minutes of your time might save you some money, you might even learn something new.

Good To Know Info:

Dwelling Fire policies are generally used if you own the house but rent it out to someone else.

The main difference between a Dwelling Fire policy and a Homeowners policy is the addition of Section 2.  This section adds liability and medical payments to the property protection of the house.

ALWAYS ASK FOR REPLACEMENT COST, even if you can't get it with your policy type - ALWAYS ASK.

One of the things we recommend to everyone (even if you aren't one of our customers) is to take 15 minutes, once a year, and videotape each room in your home.   Then take 15 minutes and fill out / update the Personal Property survey and put them both in a safe place; your safe deposit box or give them to a relative (that you trust).