Policy Advantages
Consider us when you have a customer that needs homeowner's insurance. We offer competitive rates and, unlike many insurers, our policy insures against flood and earthquake losses.
| Comprehensive Policy | We offer comprehensive coverage on all three sections of the policy: Structure, personal effects and adjacent structures, compared to the named peril policy. Your customers will be covered for the unexpected. |
| Agreed Value | On all chattel loans we offer an agreed value policy. So if your customer has a total loss we will pay the limits of liability on the policy. Your customer knows exactly the amount they can expect with no surprises or disappointments. |
| Replacement Cost | On all land/home loans we offer a full replacement cost policy. This policy will satisfy the lienholder and this will ensure that the customer will be able to buy another home of like kind and quality. |
| Flood and Earthquake | Unlike many insurers, this coverage is included in all of our policies. Your customer can have the peace of mind that in a catastrophic event they will be protected. |
| Replacement Cost on Partial Losses | Since most claims are partial losses, this would refund any calculated depreciation, if initially held back, to your customer once the covered repairs were completed. This results in less out of pocket expense for your customer. |
| Additional Living Expenses | We provide supplementary payments, up to the limit stated in the policy, for the actual, reasonable, and necessary increase in the named insureds' living expenses when they cannot live in their home because it was damaged by a covered loss. |
| Enhanced Coverages | We have added fire department services, debris removal, and emergency removal. No deductible. Food spoilage has a $50 deductible. |
| Deductible Options | We have several deductibles from which to choose. |
Call us today at 800-522-0146, or contact us.