Your home is one of your most significant investments, which is why protecting it with the right insurance is essential. When it comes to purchasing insurance, we do the shopping for you; to ensure that you receive the best insurance policy at the best rate.
As your broker, we have access to a wide variety of insurance markets that allow us to tailor your policy to your specific needs. There are important pieces of information you may need added to your policy; we will review these with you and make recommendations in order to give you the best protection.
Coverage Limits
It is essential to consider the limits of coverage on your home, garage, sheds, and personal property every year to ensure adequate coverage.
Special Limits
Certain items on your insurance policy carry special limits of insurance (a maximum amount of coverage). We review these limits to ensure you have enough coverage and, if not, give you the option to purchase an adequate limit. A few items that would fall into this category would be – jewelry, bikes, collectables, etc.
Liability Limit
Your policy's liability coverage will cover you for acts that you are found legally liable for. This can include accidentally injuring someone or damaging their property. In the past years, it was common to have a limit of $1,000,000, but more recently, we recommend increasing the limit to $2,000,000 or more. The price to increase your liability is quite affordable, especially considering the coverage it provides.
Other Coverages
We will review and discuss some other coverages with you: sewer backup coverage, enhanced water damage coverage (overland water/seepage), cyber coverage, home equipment breakdown and even your deductible. If you are interested in a comprehensive, no-obligation review of your home insurance policy, get in touch with us today. We look forward to reviewing your options with you.
