Your home is perhaps your most valuable asset. Get the advice you need to make sure you are properly protected and not surprised in the event of a claim. While many view homeowners’ coverage as a commodity, the fact is that not all policies are the same. For example, many insurers have abandoned guaranteed replacement cost coverage, the provision that insures your house will be rebuilt following a total loss, regardless of your limits or cost. We will advise you on this issue.
Our agents will also explain the policy limits for jewelry, furs, and other valuables and options to broaden these coverages if needed, before a loss. TIS provides true individualized counseling so that you can rest easier knowing that your property is properly covered.
Flood is not a standard coverage on the Homeowner’s policy. It is a policy that can be purchased separately for an additional premium. Earthquake is also not a standard coverage on the Homeowner’s policy, but it can be purchased for an additional premium and included on the Homeowner’s policy.