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HOME INSURANCE

A home is on of the biggest investment we make during our lifetime. We write Home Insurance with preferred insurance carriers, whenever possible, that provide replacement cost coverage. There are three main types of Home Insurance: home, condo, and renters. Home Insurance protects your home and all your personal property in it.  Be sure to protect your investment with the right type of Home Insurance, one that will insure you in case of a complete rebuild. If you have any questions about the appropriate amount of Home Insurance coverage, call one of our representatives today to determine the policy that is right for you. We will tailor a Home Insurance policy with the features that meet your unique circumstances to protect the investment you've made in your home.

Replacement Cost

The most common home insurance complaint from consumers is with regards to replacement cost.  Insurance companies use a formula that determines your Home Insurance replacement cost based on the year built, number of stories, exterior finish, square footage, bathrooms, and other features of your home. 

 

Replacement Cost is not the same as Market Value. Replacement Cost is the building cost necessary to repair or replace the entire home concerning the damaged structure, fixtures and needed repairs. In most cases, Replacement Cost will be greater than the market value of a home. As your home ages, the difference between Replacement Cost and Market Value grows.  

Market Value is the amount a buyer could pay for the home including the land, regardless of the cost to repair or replace the home. There are many factors that are taken into account with market value, including the current rising or sloping market, surrounding schools and curb appeal.

 

Flood Insurance

Anywhere it rains, it can flood. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Your homeowner's insurance policy does not cover damage caused by a flood. Flood Insurance is the best way to protect you and your home from a devastating financial loss. For more information about flood insurance, please click here.

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Farm Insurance

Not every farmer calls farming their main occupation. We can help provide protection for you and your family as a supplementary income and may be able to provide protection for your home and farm under one policy.

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