Your home and its contents are probably your most valuable assets and it can be a huge financial risk to leave those assets unprotected or inadequately covered. We can aid you in establishing your home's replacement value and provide protection not only for your property, including replacement cost coverage for your home and contents, but also for any liability you might incur due to accidents which might occur on your property.

Homeowners and Renters policies should be written on a replacement cost basis rather than an Actual Cash Value ("ACV") basis. It does little good after a fire or other catastrophe to receive from the insurer ACV on an item that is still useful, but which might be depreciated. A television set is a good example. A ten year TV while still 100% functional might easily be considered to be depreciated 50% or more. If Replacement Cost coverage is purchased, the homeowner gets a new TV after a loss. On the other hand, with ACV coverage, the homeowner who lost a 10 year old TV gets very little. Replacement Cost coverage on both the dwelling and contents is an essential ingredient of adequate homeowners' coverage. For the same reason replacement cost coverage is just as important with renters coverage.

Homeowners coverage is available under many different lettered or numbered homeowners insurance forms, example A, B, C, 3 or 5. The forms with the higher numbers or letters generally provide broader coverage and protect against a broader range of perils.