Highlights of our homeowner insurance policy...

Policy offers replacement cost coverage on the structure

Policy offers replacement cost coverage on the contents

Policy offers coverage for sudden and accidental water damage above the slab

Policy offers limited mold damage coverage

*This is not a complete list or description of the coverages offered on our homeowner policy.  Please read any insurance policy you may purchase in order to fully understand your coverage.

The first step is to get a quote.  If you have not received a quote please visit our Homeowner Quote page.

The next step is to make sure your quote is "firm".  If you have only received a "soft" quote, you will need to visit our Home Firm Up page to get an exact price.

If the home is over 10 years old, one of our inspectors will have to perform a quick external inspection.  The inspection is at no cost to you and does not obligate you to buy the policy.  In certain situations the policy can be written before the inspection is performed.  Contact us for details.

If you are in the process of a home purchase and you have a lender that you are working with, the easiest  step at this point is to put us in contact with them.  We can work with them to get the policy issued correctly.  We will make sure they receive the proper documentation so that you can close on your home on time.

If you are simply switching your home insurance from your current company to us, you will need to give us your desired policy effective date.  If you have a mortgage, then you will also need to contact your mortgage company to make sure they are aware you are switching your homeowner insurance.  You will also need to provide us with your mortgage company address and your loan number.

If you do not have a mortgage then we simply need to know your desired policy effective date.

If you cannot make it to our office, we can handle most new policies over the phone and through email, fax, and regular mail.

Keep in mind this is a general idea of the process.  Certain situations may have slightly different requirements.  Please contact us to finalize your homeowner insurance policy.  Thank you in advance for your business.