1. Select a Strong Insurer...
Fast, fair claim service is a must when to comes to homeowner coverage. Ask about the Company.

2. Don't guess at your coverage...
The cost of rebuilding your home might exceed your estimate. Consult your agent and determine how much you need to rebuild from the ground up. In a fire, you could be left with just the foundation.

3. Don't Underinsure your possessions...
Saving a few dollars up front could cost you a significant amount of money at a timeof loss.

4. Always include replacement cost coverage...
Unless you insure for replacement cost of your household possessions, you will be paid only the purchase price, less depreciation, for items burned or stolen.

5. Choosean appropriate deductible...
The higher the amount of property loss you elect to 'self insure' the lower your premium is likely to be.

6. Schedule art, furs, jewelry and collectibles...
Make certain all items of this nature are separately 'scheduled' for their worth.

7. Ask about 'off premises' coverage...
Don't take a chance with expensive equipment. Make sure your insurance covers possessions away from your home, and especially be aware of business-use property.

8. Make sure your get proper 'credits'...
Many policies provide discounts for central or other alarm systems, smoke alarms, gated communities, and discounts for having your home and auto with the same carrier.

9. Check on your coverage for 'Living expense'...
In the event of a fire or other damage caused to your home covered by your policy, you need adequate payment for alternate lodging during the period of rebuilding.

10. Find out about excess liability...
Don't take basic liability coverage for granted.. Especially if you have 'attractive hazards' such as a swimming pool or frisky pets. Check out our Personal Umbrella Policies to protect you against a large lawsuit.

11. Don't ignore Earthquake and Flood Insurance...
"It can't happen here"; has cost many a homeowner thousands of dollars of countless grief. Neither peril is covered under standard policies.. Check them out.

12. Ask about Business Limitations...
Your homeowner policy provides little if any coverage for business property and/or liability. We offer a very comprehensive In-Home business policy that will protect you.