Buying a home is one of the most expensive, if not THE most expensive purchases you will make in your lifetime. Ensuring your most valuable asset is covered properly is not as easy as 1, 2, 3. There are countless variables to consider, depending on your individual situation. We ask the right questions to tailor your coverage to your specific needs.

This is a coverage that a large percentage of the population can’t go without. Whether you have a lender or not, your biggest exposure is actually liability vs. repairing or replacing a vehicle. Understanding each part of a personal auto policy and how one relates to another is no easier than putting together a 1,000-piece puzzle. Working with an agent who knows the policy is of the utmost importance, so they can explain to you how the coverage applies in different scenarios. Then you can make an informed decision on limits and coverage you feel are most adequate for you.

It isn’t often that a builder or home renovation contractor will tell you that you need to speak with your home insurer before starting any significant changes to your home. Some renovations don’t require a change or endorsement to your policy while others may require an entirely different policy all together while the work is being completed. ALWAYS, ask your agent when planning renovations or additions. Our team can help navigate your needs given the specs of your projects, ensuring you don’t pay for things you don’t need, while also making sure you’re covered for what you’re doing.

I rent an apartment! I rent a room at a friend’s house! I am part owner of a property I mutually own with a life-partner or friend! Why would I need this coverage? Well, there are several reasons why! Renters insurance doesn’t just cover your ‘stuff’, it provides liability and a long list of coverage that you should consider having as a renter or joint property owner with someone you are not married to. This coverage is very inexpensive and gives you a discount on your auto when paired together that may cover most or ALL of the cost of this policy!

The National Flood Insurance Program is offered through all insurance agencies and the pricing is fixed by the government. However, an informed agent who knows how to write flood properly could be the difference between a $1,000 annual premium and a $5,000 annual premium. All NFIP products are the same, but not every agent is the same. While the NFIP maxes out at $250,000 in dwelling coverage, Private Flood can offer higher limits, broader coverage, and more competitive premiums. Having both under our roof allows us to provide options and give you the power to decide on the right policy for you.

As the owner of a condo unit or shares of a cooperative that entitles you to the exclusive use of a unit, you will have a master policy that covers some part of the structure, but what about your individual interests like your contents and your personal liability? Do you know how much coverage you need for the inside of your unit such as walls, appliances, flooring, and fixtures? Do you have an association deductible to consider? Do you know what loss assessment is and is it part of your policy at a sufficient limit? Insuring unit owners requires digging into the details to put together a policy that truly covers your exposures effectively. Our team will work with you closely to understand the specifics of your unit as it relates to your association coverage and by-laws, ensuring you have the coverage you want and need.