Homeowners don't always review their policies until they have a claim. Only to discover that their coverage isn't what they expected. That is why it is critical to understand what you are paying for. We believe it is important to understand what you are purchasing. So let's start with this overview.
Here are a few of the coverage you need to consider. So what's in your policy?
Are you covered for flood loss?
Most basic homeowner's insurance policies exclude flood coverage. A separate flood insurance policy is required, which can be acquired through the National Flood Insurance Program. Your agent can assist you.
Do you know your deductibles?
You will be responsible for a deductible if your house and goods are harmed in a covered loss. Your agent can tell you the amount if you don't know.
Do you have ACV or replacement cost coverage?
Actual Cash Value (ACV), which reflects depreciation, and Replacement Cost (RC), which is what it costs to replace the item today, are the two ways claims are settled. Ask your agent if you're not sure what you have.
Have you considered a personal umbrella policy?
Umbrella insurance is a type of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage. Get a quote today.
Our agents will give you great service and the products you require, whether you need to safeguard your car and home, want insurance for the contents of your apartment, or need a general umbrella policy for peace of mind. We take satisfaction in providing personal insurance coverage that safeguards your most valuable possessions. We want to make sure that your insurance coverage covers your most important people and resources.
At Innovative Insurance Services LLC, we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance needs. We take pride in our ability to tailor a comprehensive insurance package that maximizes your insurance protection while minimizing money out of your pocket. As an independent insurance agency we are affiliated with multiple industry-leading companies. It is these partnerships that allow us to provide our clients with better coverage at a competitive price. Our staff is knowledgeable and committed to providing a quality customer service experience to our valued clients.