Home Owners Insurance All home owners insurance is not alike.  There are different plans with different levels of coverage.  Don't be fooled by just looking at the bottom line.  There are reasons the other company is cheaper. Now we're talking about your house.  This is the most important possession that you have.  Don't take chances that you have enough insurance. Our process is fairly simple.  Contact us and we will ask you questions about your house.  Then we will go look at the outside of the house, take measurements, and take pictures.  We then go back to the office to first develop a replacement cost.  This is the cost to rebuild your house which is not the same as the real estate value.  We then develop a quote which we prefer to present to you in person. Why in person?  As we said, all policies are not alike.  We want you to understand what you are getting with a Farmers Home Owners Policy.  We also want to get to know you and for you to know us.  If you had a fire, wouldn't you want to know that Dave or Jim are taking care of you rather than what's his name or an 800 number with an overseas call center?  It's part of the service that we bring to our prospects and customers.
Condo Insurance Condo insurance differs from home owners insurance in that you are not insuring the building.  This is covered by your home owners association.  However, in most cases, you do need to insure the inside of the building.  This would include your kitchen, bathroom, etc.  Many town houses are treated as a condo, although some are treated as houses.  If you are purchasing a town house, ask how it needs to be insured.
Renters Insurance Renters insurance is not required for renters unless the landlord requires it.  It is however so inexpensive for the coverage that you get that every renter should own it. Renters insurance covers your "stuff".  If you have a fire or are a crime victim, you are covered.  It also will pay you to live somewhere else if you cannot live in your place because of an insured loss. On top of this you get personal liability and one locksmith call per year.  Coverage typically can start for as little as 40 cents per day. Renters insurance will also save 10% off of your auto insurance.  If you have two cars in your family, you may save enought to get your renters insurance paid for. Renters insurance can be started today.  Call for more details.
Optional Coverages Do you have expensive jewelry such as a diamond ring?  We can make sure that you have insurance for it. Are your worried about identity theft?  For $25 per year we can cover you. Everyone needs lawsuit protection.  Consider an Umbrella Policy.  Add $1,000,000 or more to both your home and autos starting at $144 per year.