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  • RENEWAL TOOL
  • COMMON COVERAGES
  • PRICES ARE UP
  • FLOOD COVERAGE
  • ALL OPTIONS
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RENEWAL CHECKLIST TOOL

    Have you...
    (we have a tool if you are unsure: Home Replacement Cost Estimator)
COVERAGE:
SHORT EXPLANATION: 
ROUGH COST (PER YEAR):
Personal Property Replacement:
Allows you to buy new "things" instead of used
$80
Guaranteed Home Replacement:
Pays for full cost in when labor or material are more than your coverage
$25
Water Backup of Sewers/Drains:
Water coming back through a sewer/drain
$95
Ordinance & Law:
Helps to rebuild old homes with new materials/codes
$35
Identity Theft: ​
Helps in restoring your identity if stolen
$10
Fungi/Wet Rot/Dry Rot:
Adds coverage if these issues damge the home
$2
Equipment Breakdown:
Pays if AC/Heat/Water Heater/Softener breaks down and does damage 
$33
Inland Flood:
Flood (ground water) damage is excluded outside of this & a flood policy
$35
Home Cyber:
Cyber attack on your internet connected devices
$50
Service Line: 
Coverage for utility lines to/from your home. Curb to house is typically on the homeowner
$35
Scheduled Property: 
Tell us the high value items and values to properly protect each
$Tens Typically
Other Structures Additional Limit:
Cover the buildings/structures around your property beyond the limit that is given with the basic policy.
$Tens Typically
These are common coverages we suggest on all new policies simply because they are the most common types of losses. Remember, there are far more that exist beyond these common ones (see the next page).

*Pricing on the following is very approximate. Explanations are also very simplified. The dollar amount used is a very rough cost for the year. 

COMMON COVERAGES TO CONSIDER

DWELLING COVERAGE - Prices are Up

In the last couple of years, with COVID, we have seen cost of labor and materials to rebuild sky-rocket from $150 per square foot of finished home to $190 or even $250 per square foot of rebuilt home. 

An example being an 1800 square foot, single-story home with a basement (standard features) was properly insured for $275,000 in 2019. Today, that home needs to be insured for $347,000. 

The best way to know how much to insure your home for would be to talk to a licensed contractor, asking how much to rebuild your entire home (rebuild comes with tear down and debris removal). If that is not an option, we do have a tool called a "Replacement Cost Estimator" that gives an approximate, but by no means exact dollar figure to replace your home. Give us a call if you would like to know and we can get some details to tell you what approximately the tool says you should insure for.

WANT AN UP TO DATE FIGURE ON HOW MUCH YOUR HOME SHOULD BE INSURED FOR?

FLOOD INSURANCE

Flood is defined by the National Flood Insurance Program as:

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:
  • Overflow of inland or tidal waters;
  • Unusual and rapid accumulation or runoff of surface waters from any source;
  • Mudflow*;or
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.”
*Mudflow is defined as “A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water...

Flood is not covered by a home policy, unless you have a "Flood" coverage added- this is extremely rare. Call if you would like to look into flood coverage.

COVERAGE OPTIONS:

Most of the coverages we can offer are contained in the document below.

We always encourage you, if you have anything that is outside of ordinary (hard to define ordinary, right?), please call us. As the saying goes, there are no silly questions, especially when it comes to making sure you are covered.