Are You Covered?
Home, Life, & Auto Insurance.


Get a Free Home Insurance Quote in A Minute

We have compared several options for home insurance and discounts if you bundle your home and auto coverage.  Give us a call and we will give you a quote in a few minutes.

Homeowner – Condo and Rental Insurance

Apartment Insurance

Condo Insurance

We have great rates for condo and coop insurance.  Give us a call to get rates and save over $500.

Apartment Insurance

Bundle your home insurance plan to fit your needs.  We can save you money if you combine your health, life and auto insurance.

Home and Auto Bundle

Save up to 25% when you bundle home and auto insurance policies. You can save if you bundle your car  with home or renters policy.

business insurance

Business Insurance

We provide high-quality, competitive insurance, financial, and risk management education for behavioral health professionals.

motor insurance

Motorcycle Insurance

Our motorcycle insurance policy protects you and your motorcycle, whether you’re enjoying a long summertime ride or have your bike stored away for the winter. 

Renters Insurance

Renter Insurance

Compare our renters insurance policy rates and get affordable quote today.  Renters Insurance covers theft and injuries that you are liable for to visitors.

Home Insurance Policy

We have You Covered because we specialise in providing all sorts of non-standard Car, Home, health and Renters Insurance. Along with a wide range of standard business insurance needs.

Our Customers

What is Homeowners Insurance?

Homeowners insurance is a form of property insurance that covers losses and damages to an individual’s house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Understanding Homeowners Insurance

When a mortgage is requested on a home, the homeowner is required to provide proof of insurance on the property before the lending bank can issue him or her a  mortgage. The property insurance can be acquired separately or by the lending bank. Homeowners who prefer to get their own insurance policy can compare multiple offers and pick the plan that works best for their needs. If the homeowner does not have their property covered from loss or damages, the bank may obtain one for them at an extra cost.

Payments made toward a homeowners insurance policy are usually included in the monthly payments of the homeowner’s mortgage. The lending bank that receives the payment allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account.

Homeowner’s insurance is a form of property insurance that covers losses and damages to an individual’s house and to  assets in the home.  The policy usually covers interior damage, exterior damage, loss or damage of personal assets, and injury that arises while on the property.
Every homeowner’s insurance policy has a liability limit, which determines the amount of coverage that the insured has should an unfortunate incident occur.  Acts of war or acts of God are typically excluded from standard homeowners insurance policies.  Homeowner’s insurance policy is different from a home warranty and mortgage insurance.
What Does a Homeowner’s Insurance Cover?

A homeowners insurance policy usually covers four incidents on the insured property – interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that arises while on the property. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible  which in effect is the out-of-pocket costs for the insured. For example, a claim is made to an insurer on an interior water damage that occurred in a home.

Every homeowners insurance policy has a liability limit which determines the amount of coverage that the insured has should an unfortunate incident occur. The standard limits are usually set at $100,000, but the policyholder can opt for a higher limit. In the event that a claim is made, the liability limit stipulates the percentage of the coverage amount that would go toward replacing or repairing damage to the property structures, personal belongings, and costs to live somewhere else while the property is worked on.

Does it make sense to include your Auto Insurance Policy with your Home Insurance Policy?

Often the answer is yes. We offer some bundles that include both home insurance and auto insurance will reduce the overall cost when bundling both coverages together. It stands to reason. The company can get an additional sale with little additional sales & marketing costs. Also, the more relationships that a consumer has with a company, the more likely they are to maintain that relationship. From the consumer’s standpoint, it’s typically easier to deal with one company as opposed to two companies. All that said, there are some very good companies that focus on one type of insurance. Depending on what you are looking for, an auto policy from a Geico and a homeowners policy from Lemonade may be the best choice for you based on your needs and their offering, for example.

Is it better to get a low deductible or high deductible?

A deductible is the amount that you pay on the damage, loss or liability before insurance kicks in and covers the rest (or up to the policy limit). For the insurance company, the lower the deductible the more the insurance has to pay when there is an incident. Not surprisingly, insurance companies will charge a higher premium for policies that have a low deductible. Therefore, the choice is based on whether you have a preference for a lower premium or for being less out of pocket if anything does happen. If you don’t think you’ll be able to pay the deductible if something does come up, chose a low deductible plan. If you want to risk it that nothing will happen and you can afford to pay a high deductible if it does, then choose a low premium plan.

Put You & Your Family in Good Hands

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