The home is typically your most important and valuable investment. Yet most homeowners are underinsured and often overlook the importance of protecting their personal property. When calculating the value of the contents of your home, you need to look at the whole picture:

• Furniture
• Appliances
• Clothing
• Televisions
• Computers and electronics
• Jewelry
• Guns
• Antiques
• Other Collectibles
• Food


All of these items can add up very quickly. Making a list can surprise you with the total value. And, there may be some special limits and/or conditions in the policy. We offer a free guide to help you review your personal property and insurance needs. Many of our clients have utilized this opportunity and were amazed to see just how much they were underinsured.

Liability on your property is also crucial to your coverage. It is a good idea to be prepared for the unexpected. Unfortunately, bad things happen to good people too. Don’t ever think the possibility of being sued could never happen to you. Accidents do happen whether it’s a friend, neighbor, or stranger.

Coverage for flood water must be purchased independent of a home policy. Rates vary depending on the location of the property. You can purchase a flood policy even if you are not in a flood zone with preferred rates.