More Than a House
It's not just a structure. It's everything you've built inside it. We cover both.
A home is never just four walls. We protect the structure, what fills it, and the life built inside, properly and without the gaps standard policies leave behind.
In plain terms
Home and property insurance covers your home's structure, personal belongings, and liability for injuries or damage that occur on the property, along with additional living expenses if the home becomes uninhabitable due to a covered loss.
The parts of the policy, named plainly.
Each line below does a specific job. We make sure you can point to any one of them and say what it's for.
Dwelling
Rebuilds the structure of your home after a covered loss.
Personal property
Replaces belongings inside the home, from furniture to electronics.
Liability
Responds if a guest is injured or you damage someone else's property.
Loss of use
Covers added living costs when your home isn't livable during repairs.
The questions worth sitting with.
A few honest considerations, and the situations this coverage tends to fit. We talk through both before anything's decided.
Considerations
- Current rebuild cost rather than the market value of the home.
- Coverage for high value items that may need a schedule.
- Deductible level and how it affects your premium.
- Risks specific to your structure and how it is used.
A good fit for
- Owners who want rebuild cost kept current
- Households with valuables that deserve named coverage
- Anyone balancing deductible against monthly cost
The things people ask us most.
Is the market value of my home the right number to insure?
Usually not. We insure the cost to rebuild, which can differ from what a buyer would pay, and we revisit it as conditions change.
What about valuables like jewelry or instruments?
Items above standard limits can be scheduled so they are covered for their full worth. We flag these during the review.
Other pages in the personal ledger.
Most plans are a combination of lines. Here is the rest of the personal chapter to read alongside this one.
Auto Insurance
Coverage tailored to keep your family and your vehicles protected.
In plain terms
Auto insurance covers liability for injuries or property damage you cause in an accident, along with optional coverage for your own vehicle's repair costs, medical payments, and protection against uninsured or underinsured drivers.
Umbrella Liability
For the moments your other policies reach their limit. Umbrella coverage stands ready above your auto and home policies, protecting what you've built from the claims that exceed the ordinary.
In plain terms
Umbrella insurance adds extra liability coverage on top of your auto and home policies, kicking in once those limits are used up, protecting your assets from large lawsuits or claims.
Life Insurance
Life insurance isn't about the policy, it's about the people it protects. We help you find the right coverage to safeguard your family's future, income, and peace of mind, without overpaying for what you don't need.
In plain terms
Term covers a set number of years and is usually lower cost. Permanent lasts for life and can build value over time. The right one depends on the job you need it to do.
Specialty and High Value
For the things that don't fit a standard policy: classic cars, fine art, jewelry, boats, and homes that exceed the ordinary. We match rare assets with the carriers built to protect them properly.
In plain terms
Specialty and high value insurance provides coverage for valuable or unusual property, such as classic cars, fine art, jewelry, watercraft, and homes above standard value limits, that typically requires higher coverage limits, agreed value provisions, or specialized policy forms not offered under standard policies.