We Offer a Full Range of Insurance for All Your Needs
- In almost all cases, the HO-5 Home Insurance Policies will provide the best level of protection for the homeowner.
- A non-endorsed HO-3 Policy may not provide coverage for interior damage resulting from exterior damage that was negligently caused.
Example: A large tree branch looms over the brand new slate roof of a cape cop home. One day without warning, the tree branch snaps and falls into the roof, causing massive amounts of interior and exterior damage. As the insurance claim is investigated, it is found that the tree was stricken with some kind of disease, in addition to being completely infested with ants. Under an HO-3, the exterior and structure of the home would have been covered (usually in most cases), but the damage sustained to personal property could be excluded. HO-3 Home Insurance Policies typically have named peril coverage on contents, and all peril coverage for the building.
- An HO-2 policy will typically be named peril coverage for both the home/building and the contents. Be careful when selecting this coverage, or make sure you know which form of coverage you are getting by asking your insurance agent. If you are indeed getting an HO-2 policy, your coverage will be extremely limited in scope and only the types of losses named in the policy will be covered. Remember, there are way too many types of losses that could happen in this world…, and to be limited to named peril would be far worse than ideal.
Types of Homes We Insure
- Normal Site Built Homes
- Large Custom Homes including New Builds – values over $1,000,000
- Condominiums – HO-6
- Townhomes – These homes could be stand alone or attached to other homes. Usually operated by a master association, the manner in which the insurance is to respond is predicated on the bylaws that govern the townhome association. Sometimes you may find these home written on a HO-3, HO-5, or an HO-6. It is important that you review the association’s bylaws prior to making any decisions on your insurance. Also, have discussions with your insurance agent and make sure you send the bylaws to the insurance agency for review and coverage applicability.
- Seasonal and Secondary Homes
- Manufactured Homes
- Historically Important Homes or Insurance for Historical Landmarks
- Coastal Properties – Coverage selection can become extremely important in
coastal areas as many home insurance policies will only include named peril coverage for the contents of these homes. If you have a named peril policy for the contents of your home, that means; if something strange or negligent happens to your roof, none of your contents may be covered, not to mention your actual home. Damaged contents due to a leaky roof may also not be covered. Remember, if you have a coastal property, see about flood insurance.
- Builders Risk
- Dome Home Insurance
- Green Homes
- Row Homes
- Older Homes
- Homes with Solar Panels
- Hobbie Farms
- Homes with Flat Roofs (or Insurance for Rolled Roofing)
- Vacant Homes – Click here to learn about vacant homes.
Yes we can provide many discounts – Yes you can use us to bundle and save on packaging your auto and home insurance together. Yes you can switch and save money on your auto insurance if you switch to us. Yes Yes Yes!
Classic Vehicle Insurance
Antique Cars & Motorcycles
Umbrella | Personal Excess | Catastrophe
Inland Marine or Valuables
Examples of some items we have insured:
- 0.4 Carat Total Weight Engagement Ring Set in 14 Yellow Gold
- Richard Mille RM-011 ‘Felipe Massa’
- Rolex – Presidential, Datejust, etc
- David Yurman Schedules
- International Travel with scheduled articles
- Likeness Charms
- Cuban Link Gold Necklaces with values over $100,000
Landlord Insurance or Fire Insurance
Kind of like the lessor’s risk of personal lines insurance. There are many terms that describe a non-owner occupied residential structure : Dwelling Fire Insurance – Landlord Insurance – Fire Insurance – Rental Property Insurance – Non Owner Occupied. Whatever the term may be, it is important that you can distinguish the difference between a home insurance policy and a policy that has the insurance location not occupied by the policyholder. Loss of Rents coverage is just one of the many reasons why getting the correct policy for your residential structure is so important. Give us a call today, or tomorrow. If you are interested in learning more about vacant home insurance, click here.