Your home isn't just a place you rest your head, it's where we raise our families, spend time friends, and live our lives. That's why its important to insure it correctly! We'll work with you to evaluate all homeowner's coverage options and assess the risks you face in order to craft a policy that protects you and your family's biggest asset.
We can help identify the type of homeowners insurance that's best for you and help you understand different coverage options too. We offer insurance for homeowners, condo owners, and renters with a wide range of additional coverage options.
Buying a home for the first time? Check out our First Time Home Buyer Page for some helpful information!
Types of Homeowners Insurance
Homeowners Insurance Policy Coverages
Flood insurance covers a dwelling for losses sustained by water damage due to flooding. Flood insurance policies are available for all residential and commercial properties.
In most cases, flood insurance is not mandatory. If you live in a high-risk flood area and have a federally-backed mortgage (FHA loan, VA loan, Fannie Mae or Freddie Mac loan) the mortgage lender will require you to have flood insurance.
Homeowners insurance policies explicitly exclude flood damage from coverage. For the purposes of your homeowners insurance, a flood is defined as water that touches the ground before it enters your home.
This leave a gap from damage of possible water sources unless you have a flood insurance policy. Those sources of water include surface water, overflow from rivers and streams, mudflows, and seeping groundwater.
"I looked at 3 local insurance agencies to get a policy which would fit the needs of a family member. Not only was Nick the first one to get back to me with a few different options, he came in as the best value and fit our needs. Great integrity and customer service!"
- Sol D