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How much would it cost to rebuild my home at today's prices?

Your home is probably the single largest investment you'll ever make. By insuring your home, you are helping to protect your investment and your equity.

Estimating your home value will help you to make a determination of the amount of insurance you will want to purchase. The primary factors that will determine the cost to rebuild your home include:

Local construction costs and the square footage of the structure

·         The type of exterior wall construction -- frame, masonry (brick or stone) or veneer -- and the type of roof

·         The style of the house (ranch, colonial)

·         The number of bathrooms and other rooms

·         Attached garages, fireplaces, exterior trim and other special features like arched windows.

What's the best way to inventory my belongings?

·         Keep detailed records of personal property including receipts, serial numbers, appraisals and the name and addresses of appraisers with these descriptions.

·         Don't forget to inventory what's in your closets, attic and basement.

·         Videotape or photograph your inventory.

·         Take a photograph with your closet door open to indicate the quantity of your clothes.

·         Keep your inventory up-to-date.

Does homeowners insurance protect me if someone gets hurt on my property?

Typically homeowner's insurance covers your liabilities if a guest falls and requires medical care. The amount of liability coverage is determined by your policy limits.

Am I required to carry homeowners insurance?

Unlike auto insurance you are not required by law to have homeowners insurance but your mortgage company may require it.

If I rent but don't own can I still get coverage?

Yes. Renters can purchase policies very similar to homeowners that cover personal property, liability, medical expenses etc., the renters policy simply does not cover the actual dwelling.

What is not covered by typical homeowner's insurance?

There is a wide variety of damages, conditions, and costs that are not covered by homeowner's insurance. For example:

·         Your claim exceeds your maximum stated coverage amount.

·         You have flood damage.

·         You have losses related to business activities in your home and you do not carry incidental business insurance.

·         Your claim is covered by other insurance.

·         Someone else who is intentionally insured under your policy caused your claim.



Does my Homeowners policy have that?

How much do you know about your insurance
policy? Let us explain some of the key things
you need to look for when comparing policies.

Learn more!

Planning for the Upcoming Hurricane Season?

The season is always around the corner and
you should be prepared for the unexpected.
Here is our list of things you should review.

Learn more!

Are you prepared for a fire in your home?

There are many steps you can take to reduce
the chance of a fire in your home. Let us show
you a few things that will help your prevention.

Learn more!

Tips for Buying

Here are a few tips to purchasing
Homeowners insurance.

Find out more

Life Insurance Tips

Life insurance purchasing is hard,
here's some of the top tips to help.

Find out more

Health Insurance Tips

Here are a few key strategies to
help you get the right deal.

Find out more

Storm Safety Tips

When a storm is on the way, we
can help you prepare!

Find out more