Home Insurance

• Homeowners

  The homeowners policy provides money to rebuild your home, replace your contents and protect you from certain lawsuits. The error we see every day is people choosing the wrong amount of insurance for their home. In order to solve this problem we personally go to your home, take a photograph of the exterior and measure the outside dimensions.
  If you have a larger home, you may qualify for a High Value Homeowner policy. This provides several important improvements over the regular policy. Please call us to discuss the details.

• Condominium

  There are two unique coverages that apply only to co-ops and condominiums. The first is a special kind of Building Coverage. It covers those items that are the responsibility of the unit owner. The second is Loss Assessment Coverage. This protects the unit owner for certain losses if there is an assessment by the Condominium board.

• Renters

  You’re on the golf course and your errant drive hits and injures someone. During a driving rainstorm you accidentally poke someone with your umbrella. A friend comes to your apartment and slips on your throw rug. Those are three reasons to have renters insurance.

• Valuable Items

  All homeowners policies have limits on valuable items. The usual limit is $1,000, in total, for theft of jewelry, watches and furs. If you have any of these items, or silverware or coin collections, valuable artwork, a grand piano or other valuables, please contact us. A Valuable Items policy will protect these pieces for you, at a reasonable cost.