Protect the things that are important to you. We are an independent insurance agency founded in 1987. We have the ability to place your coverage with the insurance company that provides the best coverage at the best price. Call one of our experienced sales professionals to discuss your insurance needs. We understand that everyone's insurance needs are unique.
We work with an array of reputable insurance companies to help provide you with the customized insurance policies you deserve at a competitive price.
We work with an array of reputable insurance companies to help provide you with the customized insurance policies you deserve at a competitive price.
Services
Auto policies provide you with the opportunity to purchase a number of coverages related to the ownership or lease of an auto.
Includes defense cost as well as ultimate liability to others for bodily injury or property damage.
Coverage for you and your vehicle's passengers for judgments or settlements received against other parties, which are not recoverable due to a lack insurance or insufficient limits.
A combination of coverages related to economic loss from medical expenses, loss of wages and other expenses related to an auto accident.
Includes defense cost as well as ultimate liability to others for bodily injury or property damage.
Coverage for you and your vehicle's passengers for judgments or settlements received against other parties, which are not recoverable due to a lack insurance or insufficient limits.
A combination of coverages related to economic loss from medical expenses, loss of wages and other expenses related to an auto accident.
Homeowners Insurance is a package of coverages divided into two sections: Property & Liability.
Dwelling Coverage: Covers your home and any structure attached to it for all risks of loss except what the policy specifically excludes, such as flood.
Coverage is excluded for a number of causes of loss, which include but are not limited to flood and earthquake.
Coverage typically guarantees full payment to repair or replace your home if it is damaged by a covered peril such as fire, explosion wind etc.
Dwelling Coverage: Covers your home and any structure attached to it for all risks of loss except what the policy specifically excludes, such as flood.
Coverage is excluded for a number of causes of loss, which include but are not limited to flood and earthquake.
Coverage typically guarantees full payment to repair or replace your home if it is damaged by a covered peril such as fire, explosion wind etc.
The purchase of a condominium presents the buyer with both traditional loss exposures as well as exposures unique to this type of property ownership.
This applies to units purchased for occupancy and units purchased for investment and rental income.
Many buyers falsely assume that the Condominium Association purchases all the insurance coverage necessary to protect the individual unit owners.
We will briefly describe the coverage purchased by the association and what it does not cover.
A condo unit owner's policy purchased by you as a unit owner is designed to provide coverage for many of the exposures to loss not addressed by the association's coverage.
This applies to units purchased for occupancy and units purchased for investment and rental income.
Many buyers falsely assume that the Condominium Association purchases all the insurance coverage necessary to protect the individual unit owners.
We will briefly describe the coverage purchased by the association and what it does not cover.
A condo unit owner's policy purchased by you as a unit owner is designed to provide coverage for many of the exposures to loss not addressed by the association's coverage.
Tenants or Renters of homes, apartments, or condo units can purchase tenants or renters insurance to cover the insurance exposures typically related to this type of residency.
The policy includes two main sections of coverage, property and liability.
The property section includes coverage for the renters personal property (furniture and clothing) for the perils (causes) of loss listed in the policy.
Fire, theft, vandalism and many other causes of loss are typically included.
The policy is almost always endorsed to include the full replacement cost for your personal property at time of loss subject to a deductible.
The policy includes two main sections of coverage, property and liability.
The property section includes coverage for the renters personal property (furniture and clothing) for the perils (causes) of loss listed in the policy.
Fire, theft, vandalism and many other causes of loss are typically included.
The policy is almost always endorsed to include the full replacement cost for your personal property at time of loss subject to a deductible.
For insurance purposes a luxury and/or antique home is not merely an expensive home, older home or a home with abundance square footage.
More appropriately a luxury home or antique home, means a home with one or more of the following: high quality construction, fine architectural detailing or details not commonly used in current construction as well as contents that include fine arts, antiques or special interest collectibles.
Discuss with your agent your particular concerns about the ability to collect enough to replace your home, it's contents, valuable articles and collectibles etc. Go over each class of property and ask how the policy valuation clause works, i.e. guaranteed replacement cost on the dwelling with no limit, replacement cost on contents without limitations as actual cash value on antiques.
More appropriately a luxury home or antique home, means a home with one or more of the following: high quality construction, fine architectural detailing or details not commonly used in current construction as well as contents that include fine arts, antiques or special interest collectibles.
Discuss with your agent your particular concerns about the ability to collect enough to replace your home, it's contents, valuable articles and collectibles etc. Go over each class of property and ask how the policy valuation clause works, i.e. guaranteed replacement cost on the dwelling with no limit, replacement cost on contents without limitations as actual cash value on antiques.
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