Home Insurance

Insurance for All Kinds of Homes

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

  • What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.

  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.

  • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

What our Clients say?

  • As first time home owners, we had no idea what we were doing! Darren not only walked us through our home insurance policy, he also recommended an amazing inspector who would do our 4-point inspection for us!
    Mario, August 2015
  • Justin was incredibly responsive and attentive while I changed over my car insurance policy. He even got me a lower rate for the same coverage!
    Melissa, September 2015