Your home is likely the most valuable asset you own, your homeowner insurance policy should reflect its importance by insuring to full value. We encourage you to discuss and review your coverage annually, we’re here to help.
Your home is likely the most valued asset you own, and because of that, we believe that every policyholder should insist that their insurance company inspect what they insure. It has taken some insurers and homeowners years to realize the value of home insurance inspections.
Every insurance company has been witness to the loss of a family home, it is an absolutely horrific ordeal of devastation and emotion that the family is forced to endure. Although your first instinct may be to extinguish the fire, it is important that everyone knows what do when a fire becomes uncontrollable. Your family members have only a matter of minutes to safely escape the fire and smoke before it consumes the house. You must have a plan in place!
If you rent an apartment, duplex or an entire home you need tenant insurance coverage. The reason is quite simple, to provide protection against the loss of your personal property and to offer the reassurance to your landlord that you have liability coverage should your negligence result in damage.
Flood insurance has become a topic of epic concern over the past few years. More recently, winter flood waters of our local Grand River has forced those living along the water to question their insurance protection. Rightfully so, most of these homeowners do not have flood insurance coverage.
If you are a tenant, which many of us are these days due to the rising real estate market, you still need to be smart about getting the proper insurance coverage in place. That includes becoming price-savvy to the costs involved with replacing your personal belongings.
We realize that most consumers do not truly understand the insurance product they are purchasing. Despite efforts to educate and inform policyholders the simple truth of the matter is that insurance can be difficult, and that is unfortunate.
If you had to determine what everything in your home was worth, where would you begin? To make it easier, we can eliminate all the things that are considered to be part of your dwelling and are insured within that limit under your homeowner insurance policy.