A wood stove is a factor that could affect the overall cost of your plan, but the energy savings from this heat source might be enough of a benefit to outweigh this added cost. The most important aspect of a wood stove is proper maintenance and installation for ensured safety.

Full time college students under the age of 24, and still a part of your household, will receive some forms of coverage in a dorm. Typically 10 percent of their limits.

Earthquake damage can be added but is excluded from standard homeowner’s policies.

Your jewelry is covered in the event of a fire, but mysterious disappearance or theft has limits. Scheduling your jewelry will expand these limits.  Often times a jeweler might provide coverage, we are always happy to help you compare these options to get the best rates.

In the event of a house fire that damages your vehicle, your homeowners insurance will not replace your car. This will come from your auto insurance.

Many insurance policies exclude water damage from water that backs up through plumbing, such as a failed sump pump. Floods and water seeping through a  foundation are often not covered as well. Discussing the particulars of your home with our agents is the best way to get added coverage to make sure events such as these are protected.  Flood insurance in particular is a separate policy provided by a government program and distributed through insurance carriers.  Flood damage is the most costly home claim on average.  25% of flood losses occur in low risk flood zones.

Yes. Homeowners forms usually have a deductible of $1,000.00. For wind and hail damages there can be other options such as $2,000.00 or $2,500.00 and some companies will make the deductible a percentage of your coverage such as 1% or 2%.

Using the market value of your home to insure against damages can be financially devastating. Your replacement cost needs to be enough to rebuild your home, while also including expenses such as debris removal and site prep.