When you are presented with vacanct or unoccupied property issue for your property you must know for valid property coverage.  If your proprty is vacant or unoccupied for more than thirty days, except for vacation, hosptial stay, a military asignment, and certain other, your property coverage will be void accourding to most all property policies. A rider can be added for coverage if you notify our office timely.

   Today it is critical for proper coverage, to complete an inventory of your personal property, defined as any item that is not attached to the building.  The prospects of completing an inventory after a major claim can be devastating to deal with. A sample form is given for convinence under the forms choice, please let us know if you have any questions with its use.

   A home insurance checkup is similiar to maintaining most anything of value. Regular reviews will assist you in making sure your risks are properly covered. Policies change from time to time so it is important to set an appointment with your agent to be sure changes are reviewed.

   We offer different plans for your home, based on criteria for each  plan's qualifications for the property type it is to provide coverage for. Your personal home, vacation home, residential rental properties, recreational equipment and scheduled property each have unique risk factors to consider in properly matching insurance benefits. (For scheduled  property see Scheduled Property).

   Offering insurance coverage for your personal property, your contents, and liability when you rent. This often over-looked coverage can be a major loss for you when presented with a theft, fire or vandalism, etc. Personal liability coverage is very important in our very litigious culture today.

   Offering coverage for your personal property, liability and your condo which is compatible with your condo association provided insurance coverage. This often over-looked coverage can be a major loss for you when presented with a theft, fire or vandalism, etc. Personal liability coverage is very important in our very litigious culture today.

   We offer plans for your mobile home located in a park, on its own plot, single or double wide.

   Planned insurance for your rental properties. If you have more than five units, we many need to look at coverage provided under a commercial policy; see commercial insurance plans.

  

These unqiue often seasonal properties present some risks quite different from the standard home property. We offer a varity of plans that are designed to meet the specific needs of these types of porperties.

   We offer coverage for your property to protect from flood damage if your building is located on a flood plain.  Contact us for a quote for the peace of mind it can bring. Damage to you building and personal property from a flood can be very devastating to deal with.