What a proper home policy does
A homeowners policy has one real job: rebuild the house if the worst happens. For most homes, a standard policy does that job. Once rebuilding costs rise past what mass-market carriers model (custom millwork, imported stone, older construction, significant square footage), the standard policy starts settling for less than the house. We insure to true reconstruction cost, not a tax value or a purchase price.
What we look for in the fitting
Guaranteed or extended replacement cost, so an underinsured appraisal never becomes your problem. Cash-settlement options if you'd rather not rebuild. Contents limits that reflect a furnished home rather than a formula. Scheduled coverage for jewelry, art and wine, where the standard policy's category caps run out fast. And back-up of sewers, service lines and equipment breakdown: the quiet endorsements that decide how a bad week goes.
Second homes and multi-state households
Households with property in more than one state are our normal, not our exception. We coordinate the primary home, the lake house and the condo under one advisor, so liability limits line up across state lines and the umbrella sits over all of it. Seasonal and secondary homes get the occupancy language they actually need, not a vacancy clause nobody read.
Also from the fitting room: Auto insurance · Boat & yacht insurance · Aircraft insurance · Umbrella insurance
Let's get you measured.
One short call and we do the rest. Serving clients in every state.