We all have various needs; therefore our insurance policies will be different. This is where we come in. We will have a consultation with you to assess your needs in order to find the best policy for you.
What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy will provide coverage for your dwelling and the items you have inside of it. Your homeowner insurance is also a packages policy which means it provides coverage for damages to your property, injuries and property damage that you are held liable for. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.