Property Insurances

Our insurance professional helps clients with:

• Assessing Needs: analyze a client's specific situation, including the home's value, location (e.g., flood or wildfire zones), and personal belongings, to determine appropriate coverage levels for the dwelling, other structures, and personal property.

• Finding the Right Policy: They compare quotes from multiple insurance companies to find the best balance of coverage, cost, and provider reputation. They can help clients understand the difference between replacement cost and actual cash value policies.

• Identifying Gaps: spot gaps in existing coverage, such as a lack of flood or earthquake insurance, and recommend specific riders or separate policies.

• Policy Management: assist with policy renewals, ensuring coverage keeps pace with local building costs and evolving risks.

We provide services such as:

• Customizing Coverage: help clients choose the right type of auto insurance (e.g., liability, collision, comprehensive) and determine appropriate coverage limits based on the client's assets and risk profile.

• Specialty Vehicle Advice: offer specific expertise for non-standard vehicles like RVs, motorcycles, or boats, ensuring these assets are adequately covered.

• Discounts and Bundling: identify all available discounts, such as those for safe driving, security systems, or bundling multiple policies (e.g., home and auto), to help the client save on premiums.

We provide vital services and guidance for this complex category:

• Risk Assessment: evaluate a client's total assets and potential for liability claims to recommend an appropriate amount of umbrella coverage. This is particularly important for high-net-worth individuals.

• Policy Integration: ensure that the umbrella policy seamlessly integrates with the underlying home and auto policies, so there are no gaps in coverage when a claim exceeds the limits of the primary policies.

• Strategic Guidance: provide ongoing advice on managing and mitigating risks that could lead to a lawsuit, such as recommending safety measures for a property or offering guidance on risks associated with a second home or rental property.

For high-value items, we provide services include:

• Valuation and Scheduling: we help clients properly document and value high-value items like fine art, jewelry, or collectibles. This is often done by "scheduling" these items, which provides a separate, dedicated policy with higher limits than a standard homeowners policy.

• Finding the Right Carrier: connect clients with insurance carriers that specialize in covering high-value and unique assets, which may have different coverage terms and conditions.

• Claim Advocacy: in the event of a loss, we will act as the client's advocate, handling the claims process and negotiating with the carrier on their behalf to ensure a fair and timely payout.