Home Insurance

Protect your biggest investment

Your home is your biggest investment. That means it’s extremely important to make sure you have the right coverage to protect it. We obtain quotes from multiple carriers to help you find the best coverage with an affordable premium.

The biggest mistake home owners make when insuring their home is under-insuring the home’s replacement value. We take the time make sure that you have the right coverage amount to rebuild your home in the event of a loss.

We also make sure you have enough coverage to replace lost or damaged personal property or contents in the home. Then we’ll help you decide on the right liability coverage and deductible for your home.

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What factors will affect my premiums?

There are lots of factors that play a part in how much you pay for home insurance including its location, age, construction, and condition.

For example, home additions that increase the risk of damage or injury, like a pool or trampoline, can increase your premiums. On the other hand, updating your roof, heating, and electrical can decrease premiums.

Insurance companies assess risk in different ways, which is why it’s important to compare homeowner insurance quotes to be sure you get the most affordable rate for the most coverage.

May decrease premiums

Smaller homes
No previous claims
Newer construction
Newer roof
Updates made to roof, electric, heating, mechanical
Excellent credit history
Spouse

May increase premiums

Larger homes
Previous claims history
Older construction
Older roof
Older electric, heating, and mechanical systems
Pets (eg certain breeds of dog, exotic pets, etc)
Pools, spas, and trampolines

What discounts are available?

Claims Free Discounts
New Roof Discounts
Multi-Policy Discounts (packaging with your auto policy)
Alarm Discounts
Safe Property Discounts

When is a good time to shop for home insurance?

When you buy a home
When your policy comes up for renewal
If you feel like you’re paying too much or getting poor service from your agent

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We’ve got you covered

We want to build a lifelong friendship with you and your family so that you can rest assured knowing we’ll be there for you when it matters most.

years of experience

happy customers and counting

%

customer satisfaction rating

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What our customers are saying

Rich is a great guy. Cares about his customers and his customer satisfaction. Been his customer for over 3 years. Have recommended a lot of people to change their insurance companies so they can do business with Rich. Greg W.

Awesome to do business with! Very easy and accommodating. Makes the horrible hassle of getting your vehicle insured to be such a painless easy process!! Steph S.

Rich is fabulous I would recommend him highly…his work ethic and passion for what he does runs parallel with mine from lending side trying to bridge all of the delicate balances for our new homeowners to be. Keep up the great work Rich looking forward to a long professional relationship and business for us both! Dawn Marie F.

Best agent I have found after being in the mortgage business for over 25 years. Eric E.

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