A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered such as flood for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.

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Options to consider for lower rates

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    Raise Your Deductible

     A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss.

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    New Home

    If your home is less than 10 years old, you may be eligible for a new home discount.


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    Make Your Home Safer

    You may be eligible for a discount if you have a burglar and fire alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than non-monitored systems.

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    Construction Material

    When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the location of the nearest fire department, and avoid buying in flood prone areas. Non-Smoker Discounts.


Call 1-800-916-2220 for a free homeowners quote today!


Even though you don’t own your own home you have personal property that can be lost to fires, burglaries and even lawsuits. The first time most people think about property insurance is with their first home since it is required by the mortgage company. Although renter’s insurance is usually not required, it is just as necessary to have. Not only will it protect your personal items, but it will also help with temporary housing and liability protection, such as medical expenses for people on your property or a lawyer if you are sued by someone unintentionally injured by you.


Protection of Assets

If the ceiling in your apartment is damaged by a storm, the ceiling is covered by your landlord. But what about your brand new stereo and TV that was damaged? Also, while the ceiling is being fixed, do you have enough money to immediately find another place to stay? These are the types of things that would be covered by your renters insurance policy.

Theft Protection and Injury Protection

Renters insurance can help you pay for repairing or replacing personal property that is damaged, destroyed or stolen. It may also cover most lawsuits or claims against you if you are responsible for injuring others or damaging their property.

Request A Quote

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