Homeowners Insurance
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Why Buy Homeowners Insurance
- Home Owners: Protect both your house and personal property.
- Tenants of Rental Properties: Protect your personal property.All parties:
- Protection against liability for accidents that injure other people or damage their property.
LIABILITY
Your liability limit should exceed your net worth, so that your assets are not in jeopardy should a claim occur.
REPLACEMENT COST
Pays you the cost to replace your contents or dwelling, rather than a depreciated payment.
MEDICAL PAYMENTS
This coverage is included in your home insurance. We recommend $5000 to keep pace with the cost of medical bills.
WATER BACKUP
If you have a basement that is anything but empty, we recommend water back-up. It provides insurance against a back-up of water from sewers or sump pumps. This is our most used coverage.