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We've got your
HOME covered!

As an independent insurance agency, we've built strong connections with several top-rated carriers. Our expertise lies in identifying which carriers offer unique discounts and pairing you with the one that fits your individual needs. We work diligently to ensure you receive all the discounts you’re eligible for, helping you secure the best possible value for your coverage.

Protect Your Home—Because It Matters

Imagine if a disaster hit your home tomorrow. Are you sure you have the right coverage? Would your insurance take care of everything, or would you end up paying for repairs out of pocket? These are important questions to consider, especially since you can’t get coverage after a disaster strikes.

 

Having the right policy gives you peace of mind knowing:

  1. Your agent took the time to ensure your coverage fits your needs.

  2. Your insurance carrier will be there when you need them most.

What Does Home Insurance Do?

Home insurance protects you from many hazards, including fire, theft, structural damage, and accidents that happen on your property. When a covered loss occurs, you file a claim, and your insurance provider will pay for the damages, minus any deductible.

It also offers personal liability protection, which covers you if someone gets injured on your property. For example, if a guest slips and falls, you could be held responsible, and liability coverage protects you from that risk.

Home insurance may also cover:

  • Damage from storms, fire, lightning, or hail

  • Liability for dog bites or pet-related injuries

  • Manufactured home insurance

  • Trampoline or pool liability

  • Wind damage

  • Sinkholes

  • Flood or sewer backups

  • Replacement costs for personal belongings

  • Umbrella liability insurance

 

Working with an independent agent like us means you get access to all the best options to protect your home and the things you value most.

What Many People Don’t Know About Home Insurance

Home insurance comes with details that are often overlooked, but we’re here to help you navigate them:

  • Sewer backup is typically not covered unless you request an additional endorsement.

  • Surface or underground water damage is usually excluded.

  • Standard homeowners policies don’t include flood insurance.

  • Jewelry is often covered only up to a certain limit unless you add extra protection.

  • Policies may default to actual cash value, meaning your expensive electronics could only be reimbursed for a fraction of their original cost. Replacement cost policies ensure you get the full value to replace your items.

 

TIP: You can bundle your home and auto insurance for extra savings.

Who Needs Home Insurance?

From single-family homes to condos, here’s who should consider home insurance:

  • Frame houses

  • Concrete block homes (CBS)

  • Manufactured or mobile homes

  • Townhouses or condos

  • Secondary homes or rental properties

  • Seasonal homes

  • Renters (with renter’s insurance)

Why Choose Us?

You might be tempted to find the cheapest policy, but remember—you get what you pay for. While insurance products may seem similar, they can vary significantly in how they’re structured. You need a policy that genuinely covers you.

 

We’re not just insurance agents; we’re part of your community, and we take pride in protecting the people and businesses around us. We carefully select insurance companies that are both affordable and responsive to ensure you’re covered.

Contact us, and let us help you create the best protection possible for your home and family.

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Reach out to us, and let our professionals help you create the strongest possible plan to safeguard what you’ve worked so hard to build.

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