Home Insurance

We can advise you on the best insur­ance choice for your home, cot­tage, con­do­minium, or apart­ment, and are happy to dis­cuss all var­i­ous cov­er­age options with our clients. Some of these options include:

A Broad Form Pol­icy pro­vides you with All Risks cov­er­age for your home and Named Per­ils cov­er­age for your per­sonal pos­ses­sions. Named Per­ils includes things like fire, theft, van­dal­ism, smoke, light­ning, explo­sion, riot, wind, hail, rup­ture and water escape, theft from vehi­cle, and vehi­cle impact.

A Com­pre­hen­sive Pol­icy pro­vides All Risks cov­er­age for both your home and your per­sonal pos­ses­sions. This includes acci­den­tal break­age (a wide screen tele­vi­sion is knocked over) and mys­te­ri­ous dis­ap­pear­ance (a dia­mond falls out of a ring). The cost of this pol­icy is gen­er­ally a lit­tle higher and can include other ben­e­fits as well.

For both pol­icy types, we can arrange addi­tional cov­er­age for the full replace­ment cost of your home, sched­uled items (art, jew­elry, furs), com­puter and elec­tronic equip­ment, boats and addi­tional vehi­cles, sea­sonal res­i­dences, increased per­sonal lia­bil­ity pro­tec­tion and home businesses.

Ten­ant and Condo Owner Poli­cies pro­vide pro­tec­tion against loss or dam­age to house­hold con­tents and per­sonal belong­ings as well as for per­sonal and/or tenant’s legal lia­bil­ity. Condo poli­cies also include loss assess­ment and cov­er­age for “bet­ter­ments and improve­ments” to your condo unit.

Ask us about pol­icy dis­counts for age 50+, Seniors, New Home, Non Smoker, Alarm Sys­tems, Claims-Free, and Mortgage-Free.