You can contact the agency to discuss your changes. We are always here to help!

To enhance the discounts provided under the policy, yes!

Yes, your business property is covered. However, coverage is limited to $250 off premises and $2500 on premises under the standard homeowner policy. If needed, additional coverage can be purchased through your agent. It is always best to let your agent know if any type of business activity out of the home to be sure all your coverages are adequate.

It’s usually best to report the claim to your agent, but you can also submit claims directly to the carrier via their website.

Water seeping into a basement through the floors or walls is not covered under a homeowner policy.

A homeowner policy does not cover you for flood. Flood is a separate policy that can be purchased through your agent. Earthquake is an optional coverage that can be added to your homeowner policy. Tornadoes and Hurricanes are considered wind and are covered under your homeowner policy.

The tree falling should be reported as a claim through your homeowner policy if it landed on your property. Call us- we will talk you through it!

If the pipe didn’t burst from frozen water pipes, then the ensuing water damage is covered. The pipe itself it not due to wear and tear. Frozen water pipes are a gray are and best to call your agent immediately if this occurs.

Everywhere! On premise and off.

Yes. We will want to be sure to add the trust to the homeowner’s policy.

An umbrella policy is a liability policy that can cover over and above your properties, vehicles, recreational vehicles, etc in the event of a liability claim. We strongly recommend that all our customers have an umbrella policy- the amount of coverage is well worth the premium.

Yes! There is coverage for removing the tree from your roof, the damage to the roof and the ensuing water damage.

When a homeowner’s policy is being written each insurance company has guidelines of risks that they are willing to insure. Unfortunately, most companies have a dog list of certain breeds that they do not want to insure. We normally can find you a homeowner policy even if your dog is one of the breeds on the list. Give us call to help!

A LOT of insurance companies do not want to insure pools with slides due to the risk of injuries BUT we have one that will as long as all other guidelines are met.

This is exactly why you would want the coverage! Replacement cost on contents means that in the event of a covered loss your 20-year-old couch that is worth nothing would be paid to you at todays value for the similar size couch.