Homeowners Insurance: The Independent Agency Way

Each homeowners insurance carrier has  a unique appetite that differentiates them in the market place. As independent agents, we work with you to get a better understanding of your situation and help craft an insurance plan that best fits your needs. If you are purchasing a new home or haven’t evaluated your homeowners insurance program in some time, here are some things to evaluate before you consider a purchasing decision.

  1. Functional Replacement Cost vs Vintage Replacement Cost
  2. Choosing the Right Deductible Option
  3. Do you have High Valued Items to Schedule on your Policy
  4. Water Back Up  vs Flood Insurance
  5. Discounts:
  • Multi Policy Discounts – Many insurance providers offer discounts for insuring your vehicle vehicle with your homewoners insurance provider. In addition to this, discounts may be available for insuring umbrella policies, personal article policies, and rental property policies with your homeowners insurance provider.
  • Protective devices – Insurance carriers offer discounts for smoke detectors, fire extinguishers, and dead bolts. In addition to this, discounts are available for sprinkler systems, burglar alarms, and central station fire alarms.

Shopping for insurance is our job. With access to several different companies, we can help customize a coverage package that best fits your needs. Give us a call at 216-965-0646 or simply complete the form to the right to request a quote.



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