Homeowners Insurance

Your Choice for Exceptional Home Insurance

We aim to prove that insurance can be easy, simple, and there when you need it most. That's why we made it our mission to give you peace of mind with more coverage inclusions than exclusions. We exceed the standard of insurance so you always feel confident and secure in your choice.

Guaranteed Replacment Cost

Our policies rebuilds the current state of the home using the same type of materials even if it exceeds the policy's limits.

Flexable Coverage Options

We provide the ability to tailor Other Structures, Personal Property, and Loss of Use coverages to exactly meet your needs, which can include removing coverages altogether or increasing coverage limits.

Enhanced Contents Coverage

Getting enough insurance for possessions is often of special concern for our clients, which are filled with expensive personal items.  Our contracts offer “All risks” coverage for contents: A standard home insurance policy covers your dwelling for all risks (meaning anything not specifically excluded, such as earthquakes) but your contents have protection from 16 “named perils” such as fire and lightning. A high-value home policy, on the other hand, will insure contents for all risks.

All our policies offer “replacement cost” coverage. Replacement cost reimburses you for new items to replace the damaged ones—without depreciated value.  You replace your items with the same like kind and quality.

Water Back up Endorement

This optional endorsement covers damage caused by water entering the home through a sewer or drain inside the residence premises, or resulting from a backed-up drain or sump pump located within the building on the residence premises. This coverage does not extend to flood or water losses due to rainfall or wind.

Water Seepage Endorement

We can endorese your policy to include $20,000 coverage for water seepage damage. This covers deterioration or rot of covered property caused by constant or repeated seepage, water leakage or steam from within plumbing, heating or cooling systems.

Roof and Siding Match Endoresment

If you have a partial loss, and your siding or shingles are no longer made, and the materials can't be matched, they will cover the cost to replace your entire roof or redo your siding.

Equiptment Breakdown Coverage Endoresment

This additional coverage option replaces or restores home appliances (e.g. stove, refrigerator, washer / dryer) from loss due to mechanical or electrical breakdown. It does not cover defects or general wear and tear.

Personal Cyber Endorement

We offer additional coverage for potential losses or damages caused by digital activities. This includes coverage for: identity theft, credit fraud or forgery, cyber crimes, cyber extortion, and more.

Enhanced Liability Coverage

Generous liability coverage is important to anyone with significant assets because you have a lot to potentially lose in a lawsuit. You can also be an attractive target for lawsuits.

Under Construction Endorement

This endorsement provides an extension of Coverage C - Personal Property for theft of materials and supplies for use in construction until the dwelling renovation is finished and occupied.

If you are interested in protecting your assets and legacy with exceptional coverage, peace of mind with extraordinary claims handling reach out to one of our high value brokers today.