One question insurance customers never fail to ask is, "What's it going to cost me?" The cost of homeowners insurance is influenced by a broad range of market factors:

• From rising construction costs to the
• Increasing number of liability lawsuits.
• But it's also affected by the customer's needs, policy choices and habits.
• We are dedicated in helping our clients control their insurance costs.

Homeowners insurance is one of the most important investments you'll make. You should keep in mind the difference between market value and replacement value, and make certain your home is insured "to value." In many cases, it costs more to reconstruct a house than the house would bring on the open market. Talk with us to make sure you have the right amount of coverage.

You can take steps to lower the cost of your premiums.  Our companies offer special discounts and credits for such features as fire extinguishers, sprinkler systems, and burglar alarms. These are factors in loss prevention, which ultimately help control insurance costs.

You can also lower your home insurance costs can by raising your deductible. Small claims are expensive for insurance companies to handle. You can reduce your premiums by as much as 10 percent if you increase your deductible from $250 to $500. Increasing the deductible to $1,000 can lower premiums by almost a third.

In addition, the price you pay is influenced by how you pay. Our companies offer different payment plans, so you can pay your premiums in a way that best fits your lifestyle.

Finally, you can save money by placing all your home and auto policies with us because we offer discounts if you have more than one policy with us.

Learn More...

Overview | Understanding The Basics | Types Of Insurance | Coverage Amounts
Choosing A Policy | Filing A Claim | Other Types Of Insurance | Home Safety Tips
Planning Concerns | Home Glossary

Please Note: The information contained in this Web site is provided solely as a source of general  information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverages, always read the insurance policy, including all endorsements.