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Contact us today to get a clear explanation of the many homeowners insurance options and how they can protect your home's unique needs, at an affordable cost.
45 years of insurance expertise and
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We guarantee -
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Homeowners, Dwelling Fire, Apartments, Condo's, Older Homes, and more at an affordable price Best Home Insurance rates
Ask about our Builders Risk program for construction needs
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Why Homeowners?
First, because homeowners is the best valued insurance product on the market covering most families largest asset. It provides property, loss of rent, liability, *workers comp, equipment breakdown, and much more. You can even schedule coverage for artwork, jewelry, etc.
*Varies state to state - NJ limited coverage provided for residence employees only, has restrictions
*Varies state to state - NJ limited coverage provided for residence employees only, has restrictions
Higher Deductibles mean cheap insurance?
Typical homeowners insurance quotes includes a $500 or $1,000 deductible (out of pocket cost for each claim). The difference in the annual cost is minor. But agents may apply a 2%-6% wind/hurricane deductible based on the home's coverage limit. Example: A $350,000 home with a 3% wind/hurricane deductible would result in a $10,500 out of pocket cost share of damages to your home!
Higher deductible policies can reduce your annual cost $150 - $250.
Higher deductible policies can reduce your annual cost $150 - $250.
Homeowners vs Dwelling Fire?
Homeowners insurance is for private homes and requires at least one of the named insureds occupies the home. A Dwelling (DP) policy is similar but used for residences which don't qualify for a homeowners policy for various reasons (ie. vacancy, non-owner occupied, seasonal, secondary residence, age, etc.).
What is Builders Risk?
Insures your interest in materials, fixtures and/or equipment being used during the construction or renovation of a building or structure.
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