Personal Umbrella – Coordinates with your home and auto policies to provide an extra layer of liability protection should you be held responsible in a catastrophic liability loss. Coverage is included for defense costs and attorney fees associated with claims against you.
Valuable Items – Special coverage for specific items such as jewelry, fine arts, collectibles, etc. since the basic homeowners policy only provides limited coverage which may not meet your needs.
Flood – A flood is defined as a general and temporary condition where two or more acres of normally dry land or two or more adjacent properties are inundated by water or mudflow. So, you don’t need to live near a river, creek or ocean to be in danger of sustaining flood damage. Contact us today to discuss this important and often overlooked coverage.
ID Fraud – Helps restore your good name and credit in the event you fall victim to this increasingly common crime. Even if you take all the right steps to prevent it, ID Fraud can still happen to you. This protection helps cover your expenses related to identity theft.
Rental Properties – Provides building coverage for your tenant occupied dwelling as well as landlord liability to protect these unique exposures. You can also add personal property coverage to protect any basic possessions you may keep there such as free standing appliances, etc.
Vacant Properties – Provides basic fire and vandalism coverage for a property you own which is not occupied. These properties are inherently at greater risk. Once occupied, the policy can be rewritten so you can enjoy broader coverage with a reduced premium.
Recreational Vehicles – Protects your “toys” such as watercraft, snowmobiles, motorcycles, campers, etc. Similar to auto insurance, this product covers your RV and the liability exposure associated with it. Have fun, but responsibly.