HOMEOWNERS:
Homeowners insurance covers your residence, other structures and personal property in the event of a loss. It also provides coverage for losses where you are personally liability for bodily injury to others or damage to the property of others, subject to the policy terms and conditions.
  • Free replacement cost estimation (provided by insurance carrier)
  • 24 hour claims reporting service
  • We can provide you with replacement cost coverage depending on the year the house was built and whether the systems (electricity/wiring, heating, plumbing & roof) has been updated.
  • We will provide you with a binder, evidence of insurance for the closing as well as a paid receipt for the mortgagee.

CONDOMINIUM:
Condominium insurance is for owner occupied units. Coverage is provided for ones personal property as well as the portion of the structure owned. You should review the insurance section of the Condominium By-Laws to make sure you are adequately protected. This policy also provides liability coverage for claims against Bodily Injury and Property Damage.

RENTERS AND TENANTS:

If you rent an apartment, house or condominium unit this policy will provide coverage for your personal property, loss of use and liability.

CREDITS AVAILABLE TO LOWER MY PREMIUM:
1. Higher Deductibles
2. Alarm systems (smoke detectors, burglar and/or fire alarm systems-local or central station)
3. Dead Bolts, Fire Extinguishers
4. Non-Smokers
5. New Homes
6. Account Credit (having your auto insurance with same company)

We currently write homeowners, condominium, renters and tenants insurance with the following companies: Arbella - St. Paul\Travelers

Click here for an online quote.