Home Insurance

As an Independent Insurance Agency we are able to find coverage for your property that fits your individual needs no matter where you live.

For most people their home and their property is their largest investment.  This is not only where you live, but it’s where your children are raised and memories are made.  Make sure you protect your home and your property while you have a chance, before tragedy strikes and it’s too late.  Contact us today for a quote.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions.

• If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Remember Homeowners insurance also covers Renters and Condo Owners. Before you get stuck having to foot the bill for repairs or personal injuries call us. Make sure you carry at least 80% coinsurance on your home insurance policy. We work with you to find the right coverage and the right price. Check with your agent to find out more.

Mobile Home Insurance

Mobile homes rest on a movable chassis and never include more than a single level. A typical Mobile Home Insurance policy pays to repair your mobile home if it’s damaged by:

• Fire and lightning.
• Explosions.
• Landslides.
• Vandalism.
• Falling objects.
• Wind and hail.
• Weight of ice and snow.
• Wild or stray animals.
• Burst pipes.

When selecting limits for this coverage, you want to make sure you have enough to cover the cost to replace your mobile home if it’s destroyed. You may also add other optional coverages.

Renters Insurance

Pay for unexpected expenses and protect your personal possessions with affordable renters insurance. In addition to your belongings, renters insurance can pay for medical bills if someone is injured at your residence, lawsuits, and temporary living expenses if you’re forced to live elsewhere because your home is uninhabitable.