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Homeowners Insurance

Homeowners insurance is a package policy that provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Damage caused by most disasters is covered but there are exceptions.



We offer all types of Personal Property insurance including:

  • Dwellings (including high-value homes)
  • Condominiums
  • Valuable Items
  • Owner Occupied Mobile Homes
  • Tenant’s Policies
  • Umbrella
  • Flood

Financial consideration means any remuneration for services and includes cash or other remuneration in lieu of cash. The IRS has developed factors that are used as guidelines to determine whether a worker is an employee or an independent contractor. If you are in doubt as to the status of a worker, you should consult with a competent professional with respect to your particular situation.

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