Personal Insurance
Home Insurance
Home insurance protects one of your most important assets
Your home is likely to be your most important financial investment. You owe it to yourself and your family to be protected against financial loss due to fire, wind-storm, hail, theft, vandalism, liability, and related home risk exposures.
To develop the basics of a homeowner's policy we will ask you to focus on the following areas:
- Dwelling and Other Structures guaranteed replacement cost (Is it limited?)
- Contents replacement cost
- Ordinance and law local reconstruction code requirements
- Water and sewer back up (Did your sump pump fail or were the sewers overwhelmed?)
- Sufficient "Loss of Use" (Additional living expense in the event of a loss.)
- Adequate liability limits (If you were sued, do your limits protect your assets?)
- Guest medical payments (Can you offer medical help if a guest gets hurt at your home?)
- Deductible options (The higher the deductible the better the savings – where is your comfort zone?)
- Where are the gaps in your program?
- What are your exposures?
- Are your limits adequate?
- Can you retain some level of risk?
- Is your insurance still meeting your family's goals?
Our in depth review will touch on many areas to create an insurance solution that fits your specific needs. To begin a dialogue, please contact us or simply call us at 973-635-1800 or 609-924-5000.