EMAIL US:    MICHAEL DOVE   |   JOSHUA DOVE

MULTIPLE CARRIERS, MULTIPLE COVERAGE OPTIONS

If purchasing a home is one of the largest and most expensive investments we’ll ever make, then obtaining proper home insurance is absolutely critical.

PURCHASING A NEW HOME?

We coordinate around your home closing to make sure everything is properly completed! Let our Family of Independent Agents simplify your new home purchase.

DEDUCTIBLES STARTING AT $500 OR $1000

Great Coverage Options

•  Extended Replacement Cost (25% or 50%)

•  Water and Sewer Back-up

•  Personal Property Replacement Cost

•  Refrigerated Property Coverage

•  Equipment Breakdown

•  Roof and Side Matching Packages

•  Decreasing Deductible and Loss Forgiveness

•  Identity Fraud Expense

•  Specialized Coverage For Jewelry, Antiques, Musical Instruments, and Collectibles

•  Optional Earthquake

•  And Much More!

Market Value vs Replacement Cost

One of the biggest questions regarding home insurance centers around the amount of coverage to place on your property. Most homeowners assume the amount of coverage will be equal to the amount they paid for their house.

It’s important to understand the difference between these two methods of valuation:

    Market value. This is the price paid for your home. Real estate pricing is based on market value. It’s a method that values property based upon the amount a willing buyer pays to a willing seller.

    Replacement cost. The cost it takes to rebuild your house in the same spot, at the same size and with the same quality of construction at today’s costs. Insurance companies use replacement cost, not market value.

Here To Help Serve You

If you’re already a homeowner or anticipating a home closing, contact us today.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available. We’re here to serve you.

Let us help.