our lifetime there are many stages we go through with
regard to home ownership. Each period has its own unique
insurance need, and careful consideration should be
given to having the right policy terms and coverage
for each period.
our first home
A growing need while acquiring items and personal possession,
ability to increase values as required. There can also
be a specific requirement for additional family members.
Provide for necessary replacement of property updated
to the current replacement cost, emergency replacement
of accommodations, and automatic inflationary increases.
Down sizing, so there is no longer a need to replace
much of the acquired family belongings. You should have
the option of loss settlement based on your choice of
either replacement of needed items, but a cash settlement
(at replacement cost value) on those items is no longer
& Associates has insurance programs to meet every
need and stage. We can also enhance your coverage to
include many additional personal use items such as:
limits on Jewelry and collectibles
and officers legal liability.
Staff use several methods to ensure that adequate insurance
limits are determined. Thus guaranteeing your insurance
coverage is proper.
evaluations based on your homes features
booklets - allowing you to list your belongings based
on purchase price.
verify specific exposures:
Commercial Directors & Officers Liability
access to a variety of Insurance Companies, we are able
to offer competitive deluxe coverage and pricing.