personal insurance

An independent insurance agent usually represents several different insurance companies. They can compare coverage and prices among all these companies. 

An independent agent can also provide personalized attention and services, including reviewing important documentation (leases, business documents, etc.), explaining state and local laws, and offering suggestions on avoiding claims. You also know the people to call to call if you have questions or need help. 

Contact us or your insurance provider as soon as possible after an incident. Provide detailed information about the damage or loss and follow the claims process outlined by your insurer. If possible, document the damage with photos.  

Premiums are influenced by factors like the location of your home, its age and construction, claims history, coverage limits, deductible amount, and safety features such as alarms or sprinkler systems.

The replacement cost is typically based on the current cost to rebuild your home, considering factors such as construction material, labor costs, and local building codes in your area.  It doesn’t factor in the purchase price, market value, or tax-assessed value.

Home insurance covers the structure of your home, personal belongings, liability for injuries on your property, and additional living expenses if you need to relocate due to a covered loss.

No, these items are excluded under a homeowner policy and must be endorsed or added on a stand-alone policy.