Our on line rater is better in two major ways:

1)  Your privacy is our first and most important concern. We don’t sell information you post to get a quote.

2) These are real time quotes. You are dealing direct with the companies.

I will review the information you submit and send you other quotes from companies that do not have direct on line quoting. Also I will make sure your quote fits what you need. The most common and costly errors in an online home quote are:

1)  Setting replacement cost too high. You should set the replacement cost at $130-$150 per square foot.

2) Setting  replacement cost to low. If you are below $120 a square foot you may not have enough coverage to replace your home and property in the event of a total loss.

3) Deductible too high. If you go over $1000 for a deductible, you are risking having no coverage in the event of a loss.

EXAMPLE : Water leak  does $1200 in damage. You would recieve a check for $200 for the loss if you had a $1000 deductible. I advise my clients to do a $500 deductible. Its a good compromise between cost and value. In the above loss, you would recieve a check for $700. I believe insurance should protect more than your stuff, it should protect you from financial hardship as well. It would be easier to come up with $500 than $1000.

4) Dwelling policies. I only sell these policies for RENTAL PROPERTIES or in very specific cases.  WHY ? Because they only cover the dwelling. Most do not offer personal property coverage, have very limited coverage for the home itself, and in my opinion are not worth writing. OR OWNING. DO yourself a favor, make sure you are getting a HOMEOWNERS POLICY.

Click here to be directed to our secure link to the rating center

https://www.agentinsure.com/compare/auto-insurance-home-insurance/reeseinsurance/quote.aspx

Agentinsure maintains the accuracy of our rates, and our quoting system. one click and you are on your way.

If you have any questions on rating your home call me !

Renters policies are a great way to protect not only your property from loss, but also add important coverage like ID theft. YOU CAN ALSO get discounts on your auto insurance.

Your landlord will not cover your property in the event of a loss. If a pipe bursts, and shorts out your stereo, you are on the hook for it.  Neighbor above you leaves tub running and floods your unit ? Maybe its covered, maybe its not.   Suppose your car gets stolen and you have your laptop, dry cleaning,  phone, and CD collection in there.  Depending on how good the company is and the policy wording you are covered.

We only write policies with the top companies in the industry so you get affordable coverage and great service in the event of a loss. You can even quote your own policy on our system.

Most condo owners believe that they only need coverage for their property. Not true. Association policies have changed .

Here is what you need to consider before you buy a condo policy:

1) Where does the association policy start ?

Does it cover to the interior wall, or does it stop at the wall stud ?  In other words-are you going to be replacing the drywall in the even a water leak damages the wall or is the association ? What about repairs to cabinets or counter tops ?

2) Will the association cover my upgrades ?

Its going to depend on the policy, 9 out of 10 times the answer is no. If you upgraded your cabinets, chose better floor coverings,  or put up wallpaper, then you should get coverage for tenant improvements.  It is inexpensive, it will cover your home, and your upgrades.

3) What if someone sues the condo owners association ?

If they win then each owner may be assessed their share of the legal fees, deductibles, and settlement amount.  UNLESS you have us as your agent. We make sure you are covered for this and other potential coverage issues.

We can help you get the right coverage, max out your discounts, and be there when you need us to help with any claims. WHY take a chance ? We can handle insurance for condos of any size and value.

Many things go into making a good homeowners insurance policy. You have to first understand what it is you are really covering. We are going to touch on 4 key items

First and foremost, a homeowners insurance policy should cover the cost of rebuilding the structure. The problems you read about after fires or other natural disasters start and end with Dwelling Coverage not being kept current, or being under insured from the start.

Secondly is Contents Coverage. Every policy covers shirts and books and “stuff. ” It may take extra coverage to make sure everything is covered properly.

No less important is ID theft. This coverage is critical in our web based world.

Lastly, is Personal Liability. What happens if Sparky bites someone? What happens if someone slips and falls on my property? Personal liability handles that and many other situations.

Dwelling Coverage

First and foremost a homeowners insurance policy should cover the cost of rebuilding your home. Each home is unique, and we factor in upgrades, additions and other changes in arriving at your home’s coverage amount.
Contents

When you think about contents, think about the items in your home. The cabinets, the things that came with the house are covered under the Dwelling Coverage.

Where most people make the biggest mistake is when it comes to Jewelry Coverage. In the event you lost your wedding ring or a prized watch, your homeowners insurance policy will not have enough coverage to replace it. You should review your coverage annualy to make sure you have the coverage required to replace your most valuable property.

There are 3 ways to handle getting the coverage for your jewlery:

1. Schedule itScheduling involves the writing down of each individual piece and its value. Scheduling is like writing individulal policies on each piece. We will need to get an appraisal, and take photos. Because it is so detailed, and the coverage is so broad that the cost is the highest. Scheduled Jewelry Coverage is usually priced per hundred or per thousands of dollars requested.
2. Purchase unscheduled personal property coverageJust as like when you shcedule your property you will need to know the total amount of coverage you are purchasing. The difference is that the coverage amount you purchase will not be assigned to each piece, it would be spread across the entire collection.
3. Increase limits within the policyEasiest and cheapest way to work with jewelry coverage. You simply add the required coverage to the policy. Every company will usually limit this to a max of $10,000 . No appraisal is required, but pictures are.Don’t forget, with gold between $800 and $1,000 an ounce your jewelry is worth more than you know.Its not just jewlery though that needs extra coverage. That is why we make house calls. As your agent I feel its my responsibility to see what I am going to insure.

ID theft

There are literally thousands of articles on this subject. Almost every large insurer offers ID theft protection as a coverage. Amounts and how claims are handled vary from company to company.

The stats are stunning:

1. ID theft occours every 3 seconds
2. Average cost to repair ID theft : $8,000
3. Average time to repair ID theft : 600 hours

DO YOU HAVE THAT KIND OF TIME ? Most people don’t.

There is nothing more beautiful than a well maintained perfectly restored classic or custom hot rod cruising the streets or gleaming at a car show.

What it takes to make that happen is the right policy.  A typical auto policy will not be the right coverage for your classic or custom car. You will need an insurance company that understands the needs of the classic car owner.

Our relationships with the specialty companies that handle classic and custom car coverage understand how to cover a very unique type of risk. They understand that parts are harder to find, more expensive, and in general the repair needs to be handled by a true professional. We give your policy the same attention that you give your car.

We use auction data, appraisals and the  internet to make sure you always have the best most accurate value for your classic beauty. We know the right shops for any repairs you have to make. Our policies even cover inventories of parts you may have.

Our access gives you the best coverage, and the best value for your insurance.