Homeowners insurance should be more than just coverage for the physical structure you call your home. Consideration should be given to recreational units you own which include boats, snowmobiles, all terrain vehicles, as well as special personal items such as jewelry, collectibles and guns.

The standard homeowners policy may have limitations for these items if you don't specifically endorse the policy for the inclusion. Different types of risks generate different premiums

We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for: Insuring your vehicles with the same company Being claim free in the past Having a newer home Having a burglar alarm

Other advantages you could enjoy include:

• 24-Hour Claims Hotline
• Flexible billing - including coordinating with your mortgage company

• Water and sewer back-up - this is especially valuable to clients who have finished basements
• Refrigerated food products coverage - this endorsement eliminates or significantly reduces your deductible for losses to refrigerated food product losses
• Increased liability limits of at least $300,000 with a $3,000 of medical payments coverage
• Liability coverage extensions on boats and other recreational units