Homeowner’s Insurance
For most people, their home is their largest investment not to mention their sanctuary. We can help you protect your home with all of its contents. Homeowners insurance is a combination of two different types of protection, liability insurance and hazard insurance.
Values up to $10,000,000
We understand these things are importantPersonal Property:
50% of Dwelling Limit, Actual Cash ValueReplacement Cost Coverage available)
Loss of Use: 20% of Dwelling
Valuables, Collections, Yachts and ToysWe assess your individual needs
and make sure you have the right personal insurance coveragePersonal Liability:
$100,000 policy limit, higher limits available for additional chargeMedical Payments:
$5,000 policy limitPool & Spa:
Must be completely fenced, filled and maintainedEarthquake Available:
10% deductibleHomeowner’s Insurance Programs
- Values up to $10,000,000
- Personal Property: 50% of Dwelling Limit, Actual Cash Value (Replacement Cost Coverage available)
- Loss of Use: 20% of Dwelling
- Personal Liability: $100,000 policy limit, higher limits available for additional charge
- Medical Payments: $5,000 policy limit
- Pool & Spa: Must be completely fenced, filled and maintained
- Earthquake Available: 10% deductible
Liability Insurance
Liability insurance covers personal liability for accidents on your property. If your guest trips on the steps of your home and breaks his ankle, for example, liability insurance will pay for his medical expenses, up to the policy limit.
Hazard Insurance
Hazard insurance protects you against unintentional damage or destruction to your house or its contents, including fire, storm, theft, vandalism and similar threats. Having this coverage in place will replace your losses, and bring you back to where you were before the loss happened.
What Client’s Say
Mike was a lifesaver! He saved us a fortune by bundling our home,car,business and health insurances…Even my mom loved him and thats not an easy task:)
Thanks Mike!