Home Insurance

DON'T GET CAUGHT WITH OUT OR UNDER INSURED! For many of us our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions. The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages. A homeowner insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered - such as flood - for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy. Tips for Keeping Your Rates Low There are some simple steps you can take to reduce your homeowner’s premiums. * Raise Your Deductible - A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss. * New Home - If your home is less than 10 years old, you may be eligible for a new home discount. * Make Your Home Safer - You may be eligible for a discount if you have a burglar and fire alarm system and/or sprinkler system. Monitored systems will earn a bigger discount than unmonitored systems. * Construction Material - When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the location of the nearest fire department, and avoid buying in floodprone areas.

Home/Mobile Home Owner Quote

Home/Mobile Home Owner Insurance Quote No coverage is bound until you are contacted by one of our representatives  CONTACT INFORMATION  Name  Street Address  Current Mailing Address  City, State, Zip  Email Address  Social Security #  Date of birth  Occupation  Employer  How long with current Employer  Phone Number  Home  Work  SPOUSE INFORMATION  Social Security #  Date of birth  Occupation  Employer  Phone Number  Work  HOME TO BE INSURED  Street Address  Street Address  City, State, Zip  How long at present address  Previous home address if less  than 3 years at present address  IF MOBILE HOME  a. Do you own or rent the land Select One Own Rent  b. Is mobile home in a park? Select One Yes No    If yes, park name  c. Mobile home Width & Length  d. Manufacturer Name  e. Model Name  f. Year Built  g. Serial Number  RATING INFORMATION  1. What year was this home built?  2. What type of construction was used? Select One Frame Masonry Aluminum Siding  3. Number of Stories  4. Other Occupancies:  5. Age of Roof  6. Roof Type Select One Composition Metal Other   If Other  7. What style is your home? Select One Sgl Family Dwelling Apartment Building Condominium  8. How will your home be used? Select One Primary Residence Secondary Residence Seasonal Home Farm Unoccupied Vacant  9. How many rooms in your home?  10. How many full bathrooms in your home?  11. How many 3/4 bathrooms in your home?  12. How many 1/2 bathrooms in your home?  13. How many square feet on the first floor?  14. What type of home do you have? Select One Single story Two story Split entry Tri-Level  15. How many total square feet in your home?  16. Do you have a fireplace? Select One Yes No       If yes, please describe what type  17. Do you have a woodstove? Select One Yes No       If yes, please describe type and use  18. Do you have a garage? Select One Yes No       If yes, please describe what type Select One Attached single car Attached two car Attached three car Detached single car Detached two car Detached three car Carport  19. What is your primary source of heat?  20. What is your secondary source of heat?  PROTECTIVE DEVICES:  21. Do you have a security system? Select One Yes No       If yes, please describe what type       Burgler Alarm Select One Yes No       Type of Alarm       Alarm Company       Sprinkler System In Building Select One Yes No       Smoke Detectors Select One Yes No  22. Have you had any losses in the past 3 years? Select One Yes No       If yes, please describe  23. Is this your first home? Select One Yes No       If no, do you have current insurance? Select One Yes No  24. Do you own any pets? Select One Yes No     If yes, Please describe   25. Any Hot Tub, Sauna, Swimming Pool, Trampoline, wet Bar, Etc.? Select One Yes No     If yes, Please describe   26. Any updates that have been done on home,       (i.e., new roof, electrical, heating, retrofitting, etc). Select One Yes No     If yes, Please enter date complete and describe                                         IF THE BUILDING IS OVER 25 YEARS OLD, PLEASE ANSWER THE FOLLOWING:  27. Year Electricity was Updated  28. Is it on Circuit Breakers Select One Yes No  29. Year Plumbiing was Updated  30. Copper or Galvanized Plumbing Select One Copper Galvanized Other   If Other  CURRENT INSURANCE  1. Previous Carrier  2. Start date             End Date   3. How Long Insured  4. Amount insured for  5. Policy Number  6. Prior Premium                         $  7. Policy Renewal Date  COVERAGE INFORMATION  1. Dwelling  2. Contents  3. Liability  4. Medical Coverage  5. Deductibles       All Perils     Wind/Hail/Storm  6. Loss of Use  ADDITIONAL INSURED  Name  Address  Phone Number  Phone  FAX  Account or Loan #  LIEN HOLDER  Name    Address    Phone #    Fax #    Loan #    Mortgage Clause    Legal description    Please use the space below to add comments regarding any special circumstances or coverage needs