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What you should know
Auto and Home Insurance carriers target specific segments or what we call “appetites” in the industry. For example, some carriers might offer insurance in brush areas but (since they don't have an appetite), at highly inflated pricing. Other carriers might specialize in more high value homes. Simply shopping online won’t help you figure out if you have serious coverage gaps. For example, if your policy doesn’t include building code upgrades and/or has a small “sublimit” than you could really be caught short. Building Ordinances are more rigorous all the time. Putting your home back the way it was before a fire, water pipe burst or whatever the peril won’t necessarily satisfy the inspector and/or current building codes so the upgrades can be your responsibility.
How we can help
We’ll work with you to figure out what you have and what you should have. We want to make sure that you have all the discounts that you deserve but most importantly the coverage that you need.