Home and auto insurance is a retail marketplace, made up of many insurance companies catering to different types of homes and households.  Shopping within the market segment that best matches your home, lifestyle and overall mindset towards insurance is the best way to obtain what you want at the lowest possible rate.  Here are your options:


Form HO3 Homeowner Insurance


Lender compliant coverage, conventional claim services & minimal underwriting produces a fast and easy way to purchase a policy

Our Take:

Best suited for homes built after 1945 and valued up to $500,000

Most Popular In This Class:

Allstate, Farmers, Geico, Hartford, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA


Form HO315 Homeowner Insurance


Fewer exclusions produces broader protection, more favorable fine print vastly improves the client claim experience & conservative underwriting controls cost, however fewer applicants will qualify

Our Take:

Best suited for applicants with very good credit and homes valued between $500,000 and $1.5M

Most Popular In This Class:

Adirondack Custom Pac Elite, Hanover Platinum Package, NatGen Premier Client, Travelers High Value Homeowner


Form HO5 Homeowner Insurance


Holistic, highly personalized protection, backed by concierge quality claim services for applicants in search of top shelf coverage

Our Take:

Best suited for custom, luxury and vintage homes valued $1.5M or more

Most Popular In This Class:

AIG Private Client Group

Chubb Personal Risk Services


Homeowners Should Also Consider These Options When Shopping For a Policy

Complimentary Insurance Appraisal

Guarantees Your Home Will Be Covered 100% To It's Full Replacement Value

Unlimited Extended Dwelling Replacement Cost

To eliminate the possibility of future inflation outpacing the policy limit

Total Loss Cash Option

Enables you to forgo the insurance rebuild process and opt instead for a lump sum cash payment. You'd still own the land and may do what you like with the money

Loss of Use Expense Coverage

To cover your family's temporary housing expenses should a claim event force you to vacate your home

Additional Available Property Coverage Options

Valuable Items & Collections Rider
Flood Insurance
Water Backup of Sewer or Drain
Ensuing Mold Remediation Limit

Earthquake Insurance
Household Systems & Machinery Breakdown Protection


Additional Liability Coverage Options

Excess-Umbrella Liability
Excess Uninsured Motorists Protection

Personal Injury Liability (libel, slander, etc)

Employer's Liability For Domestic Workers & Personal Staff
Directors & Officers Liability For Management of

Trusts, Charities & Foundations

In-Home Business Liability

Specialty Products For Additional Types of Real Estate

Vacation Home Insurance

For seasonal and secondary homes

Builder's Risk

For homes under construction or periods of major renovations

Rental Income & Investment Properties

For landlords

Vacant Home

For homes that may be vacant

Questions? - We Can Help!

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