There's no place like home...

Your home is your family's center- a safe haven from a sometimes uncaring world. It's memories for your children when they have grown, and the place they'll bring your grand children. In addition, it is probably on of your most important financial assets and as such should be protected with dependable insurance protection at the best value. Even if you rent you still probably have several thousand dollars worth of furnishings and belongings that need coverage.

Dwelling Coverage

Our state of the art software enables us to help you determine the correct amount of insurance for your dwelling. People are often confused whether they should insure for the market value, the loan value, or taxed value. Let us help you eliminate the guess work by assisting you in calculating the correct insurance value.

Do you know what the difference is between full dwelling replacement coverage vs. capped dwelling replacement coverage? Do you know if your home is at risk for a major earthquake and how earthquake insurance works? Do you know if you should carry a jewelry floater or if it is covered under the normal package? Well, we don't expect you to know all the answers to the intricacies of a solid homeowners policy; that is why you have us. Our agents will explain your coverage options and help you tailor a policy that adequately protects your home and belongings at the best possible value.

Liability Protection

An important part of your homeowners policy is liability protection. If someone makes a claim of injury or property damage against you or your family, everything you own could be in jeopardy. You should consider umbrella liability coverage in addition to the liability coverage provided in your homeowners policy.

Your homeowners policy should protect you in these situations:
Claims for injury to others on or off the premises
Liability defense costs
Claims for property damage
Medical expense for injuries to others

Discounts

With Insurance Concepts, you can be confident the package developed on your behalf will provide you with top value. Here's how we can save you even more:

Protective Device Credit - smoke detectors, burglar and or fire alarm that are local or centrally monitored.
Multiple Policy Discount - policyholders who insure both their autos and home with the same company.
Deductible Options - offering you a premium savings when a higher deductible is selected.
New home credit
Claims free credit

What a Good Home Owner Should Have

Payment Convenience
Flexible Payment Options - Pay your insurance premium all at once or in monthly payments. Or have your premium paid automatically, each month, from your checking account. The choice is yours.