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Chances are that your home and belongings are your most valuable investment. Homeowners or Condominium or Renters Insurances are “package” policies that cover property structures, personal possessions, and liability. There are also “special” policies that cover Jewelry & Collectibles against risks that traditional Homeowners policies do not cover.
Property Insurance encompasses many different products.
In short, it is the real and tangible property that you possess, or are responsible for. Surprisingly, the amount of exposure that one has is yet underestimated often. We have found that estimating each “risk” individually is a best practice.
From homes to rental properties, and condos/co-ops to larger multi-family buildings, the costs to reconstruct your property or structure is constantly climbing. Not to mention the costs associated with the Contents you may have had, additional things not thought of initially is the cost to let me rent another place to live while you are displaced from your residence. Water Damages from broken pipes, or Flooding from an outside source is of constant discussion here at our agency. Liability limits, just like your automobile insurance limits need to be appropriate in case of personal negligence lawsuits as well. Lawsuits between neighbors are on the rise, and proper limits on your Property Insurance package policy (if applicable) should be sufficient. Theft and Robbery is also considered in selecting coverages to protect yourself.
For most clients, we will inspect and appraise your property(ies) and properly assess all these variables. And that’s the difference in dealing with an Agent and Broker that deals with insurance and insurance companies everyday, or dealing with a simple minded direct insurance company based somewhere else, possibly nowhere near you. Here at our agency, you can be rest-assured that you would be counseled on the proper limits and what the best price is for the particular risk, not to mention that you would have representation. During the claims process, you are entitled to a swift and accurate facilitation in order to “bring you whole again.” Of course, that is the root concept behind “insurance” to begin with.
We invite you to experience our reputation that transcends expectations of service.