We are well known in our community.
“Frank was incredible! The processing was quick, and the customer service was outstanding. I was referred to him and will definitely work with him again in the future....”
“Well recommended all team members en especial my insurance agent Frank. Nice, always willing to provided best advice, update information, best prices available in the market, reliable, and proactive...”
“Outstanding service! Very professional and dedicated. The team was really nice and found me the best quote for my home and car insurance. Highly recommended!”
Every home is different
Home Protection Scope.
Every home is different, which is why we offer a range of policy options tailored to cover a wide variety of potential hazards.
- Single family Homes
- 1-4 Unit Buildings
- Condominiums
- Mobile Homes
- Renters Insurance
- Historic Homes
- High Value Homes
Protect your property beyond traditional insurance
Additional property coverages.
Our unique circumstances and property type may require additional coverage. Depending on your needs, there are other insurance options worth considering:
Renters
Protects your personal belongings in a rental from events like theft or damage, offering affordable peace of mind.
Flood
Provides essential protection for your home from flood-related damages, which policies don’t cover.
Condo
Covers the interior of your unit, personal belongings, and liability not included in the condo association’s policy.
Landlord
Designed for rental property owners, this coverage protects the property, covers liability, and lost rental income.
Home insurance questions
Confused about home insurance coverage?
Is flood insurance included in a homeowners policy?
No, most home insurance policies don’t include flood coverage. If you live in a flood-prone area or want extra protection, a separate flood insurance policy is recommended.
What’s usually not included in a standard home insurance policy?
Standard home insurance often excludes flood damage, earthquake damage, and routine wear and tear. It's important to review your policy details or speak with an insurance professional to understand what’s specifically excluded from your coverage.
Does home insurance cover rental properties?
No, traditional homeowners insurance doesn’t extend to rental properties. If you rent out your home or own investment properties, you’ll need landlord insurance. This specialized coverage helps protect against property damage, liability claims, and sometimes loss of rental income.
What’s the difference between replacement cost and actual cash value?
Replacement cost coverage pays to rebuild or replace your property without deducting for depreciation. Actual cash value, on the other hand, factors in depreciation—meaning you may receive less money to repair or replace items.
How can I lower my home insurance premiums?
You may be able to reduce your premium by bundling policies, installing home security systems, improving your credit score, increasing your deductible, or maintaining a claims-free history.