Homeowners Insurance

homeownerFor most folks, their home is the single largest investment that they will ever make, so it is absolutely critical that they purchase a homeowners insurance policy--from a knowledgeable agent and through a strong, reputable company--to protect it in the event of a disaster.  The key is to have the sufficient coverage to be able to replace the home and contents in the event of a loss.  

To rebuild a house at today's prices for labor, materials, engineering, etc.--and to bring it into compliance with today's more stringent building codes--you will very likely find that the replacement cost of a home is more than the market value.  My 20+ years of experience in this field helps to ensure that you do in fact have the proper amount of insurance coverage on your home.

A basic homeowners insurance policy will cover the following:

  • Coverage A - Dwelling - the house itself
  • Coverage B - Other Structures (detached garages, lawn sheds, in-ground pool, etc.)
  • Coverage C - Contents (personal property, clothing, furniture, appliances, TV's, etc.)
  • Coverage D - Loss of Use (additional living expenses that you would incur if you couldn't live in the home while it was being repaired after a covered loss)
  • Coverage E - Personal Liability to Others
  • Coverage F - Medical Payments to Others


You can purchase supplemental coverages such as:

  • Replacement Cost
  • Valuable Articles - For things such as jewelry, coin or stamp collections, firearms, furs, etc.
  • Identity Theft
  • Vacation homes
  • Flood
  • Umbrella policies (additional liability)

*Give us a call today at 724-483-8897 for more information!


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