Having the right homeowners insurance can provide peace of mind and protection for one's biggest investment- their home.
Keep Your Home and It's Belongings Safe Against The Unexpected.
Homeowners Insurance can provide financial coverage for repairs or rebuilding, as well as personal liability protection. Without it, a single incident could potentially lead to significant financial loss for the homeowner.
Our Coverage Provides
Covers Damage Costs
Protect Your Property
Overall Piece of Mind
Cover Living Expenses
Providing You The Protection and Piece of Mind You Need, When You Need it Most.
What types of business policies are available?We offer coverage for landlords, business owners policy, general liability, workers compensation, cyber breach coverage, disability, and inland marine.
Why do I need insurance for my business?Starting your own business means taking on some degree of risk. As a business owner, you already have the passion and drive to take on new challenges, but you'll also need to protect the value of the assets you purchase for your company. Insurance can help you recover when things go wrong. From property losses related to items such as fire or theft, to liability issues should someone sue – or threaten to. With the proper policies in place, you'll gain peace of mind and feel more comfortable in your new role as an entrepreneur.
What types of insurance policies are required?Businesses often need to carry more than one type of insurance, and your business' insurance needs may be highly individualized. A knowledgeable agent can help you find the right solutions. For some states, carrying insurance is a requirement. Requirements may also vary by the type of business you own and the number of employees; however, worker's compensation is required by law in most states, and highly recommended if not.
What types of business insurance do I need?Business insurance can be adapted to your specific business needs. Recommended coverages often depend on the type of business you have and the risk protection your business will need to stay healthy and whole. At a minimum, you should carry business property and business liability insurance – this often comes in the core business owners policy, or BOP.
What is a deductible?A deductible is the amount you’re responsible for in the event of a covered loss. In most covered loss cases, you are responsible for any amounts up to your deductible level and your insurance would cover anything beyond that up to your coverage limit. For example, if you select a $1,000 deductible and have a $4,200 covered loss, you would receive a claim payment of $3,200 after deducting the $1,000. A homeowners deductible applies to each claim. If you have more than one claim in a policy period, you will be responsible for the deductible amount for each individual claim regardless of the number of claims you have during that policy period.
How can I make sure that I have coverage for my valuables?There is limited coverage available for your valuables. In most cases, you may want to consider purchasing a Personal Articles Floater, which provides coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.
How can I make my home safer and possibly save money?Homeowners who guard against theft, accidents and other losses can often get lower insurance rates and policy discounts. Here are some things you can do to help qualify for lower premiums: Secure your home with dead bolts and window locks. Install a security system with an outside signal and connection to local police. Install and maintain smoke detectors. Install a sprinkler system for fire. Install a fire alarm that automatically alerts the local fire department. Stop smoking. Keep walks and entrance ways clear of snow and ice. You may also qualify for discounts on premiums when you buy both homeowners and auto insurance.