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.
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
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
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