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Description
Is your house underinsured or overinsured? We use a nationally recognized cost replacement guide to determine the insurable value of your home. Many insurance policies have automatic inflation endorsements that increase the insurable value each year. The result is that you pay a premium for an unrealistic insurable value that the insurance company will never pay.

Don't assume that your current homeowner's insurance covers everything. Keep in mind that insurance is not the same as a warranty. Here are some coverages that most policies exclude, but can be endorsed onto the policy for an additional premium:

  • Earthquake Coverage
  • Floater Insurance - Jewelry, Valuable Property

  • Flood Insurance
  • Umbrella Coverage
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