Great question! We offer a replacement cost guarantee of 25% or 50% on most our homeowners policies, which goes above and beyond the dwelling coverage. We do this to protect our customers in the event of inflation or high demand, which would result in a sudden higher cost to rebuild if an incident occurs. While […]

When you purchase homeowners insurance, did you know that you are buying coverage not only to replace the cost of damage to your home, but also damage to personal property within your home? Homeowners insurance can also offer liability coverage to any injuries that occur at your property. Let’s explore homeowners insurance: what it covers, […]

Most of us purchase homeowner’s or renter’s insurance directly from an insurance company or through an agent/broker and don’t really think twice about it as long as it meets the minimum requirements of the lender or the landlord; but there are several coverages or endorsements that are important. Personal Property Replacement Cost Coverage It is common […]

Actual cash value. Depreciation. Extended Replacement Cost. Are you well versed in the terminology of homeowners’ insurance? If not, read on! Depreciation Depreciation basically means that your home loses value over time because the home ages and some items and systems within the home become outdated. Much in the way that your brand new Apple […]

Health insurance is a complicated topic and one that most find very personal. After all, no two individuals have the same health needs or consume health services the same way. Many of us want different things from our policies. Here is an overview of the health care marketplace and the many policy choices available, along […]