Homeowners Insurance

**Get a Quote**

There are a number of different types of Homeowners policies that serve different needs. They are differentiated by number and are called Forms.

All Homeowners policies provide for both liability and contents coverage and if you own a house the building is also included. Sometimes condominium unit-owners also need building items to be covered, (depending on the master policy). The standard homeowners policy provides broad protection for a wide variety of perils like fire, hurricane, theft, vandalism, burst pipes, etc.

The standard policy has many limitations.

You are not covered for Floods, Earthquakes or Building Code requirements, etc. There are also special limits for Jewelry, Furs, Silverware, Antiques and Fine Arts. These and other coverage gaps need discussion.

Pricing

Homeowners insurance is very competitive. When you get a quote, be sure that the agent is quoting "apples to apples". We quote a standard policy first, then explain extra coverages that improve the standard policy.