Products · Property
Fire and property coverage, written to rebuild cost
Homeowners, renters, dwelling fire, and landlord policies. The number that matters is what it would cost to rebuild today — not what you paid for the house. We price that honestly and match it to a carrier that will pay it.
Fire
Structure and contents rebuilt at current construction costs, plus loss of use while you are displaced. We check whether your policy carries replacement cost or actual cash value, because the difference shows up only after a total loss.
Wind and hail
Roof coverage is where carriers differ most. Some settle roofs on a depreciation schedule, others at full replacement cost. We tell you which one you have and what a separate wind or hail deductible would mean out of pocket.
Water damage
Burst pipes, appliance failures, ice dams, and sewer or drain backup — backup is usually an endorsement, not standard. Flood is a separate policy entirely, and we will say so plainly if your property needs one.
Liability and the right carrier
Personal liability, medical payments, and scheduled coverage for jewelry or equipment. As an independent agency we place the risk with the carrier that underwrites your home's age, roof, and location best.
Bring your current homeowners or dwelling fire policy and we will walk through the limits line by line, then quote it with several carriers.