YOUR HOME - YOUR MOST VALUABLE ASSET

   HOMEOWNER'S INSURANCE

     ARE YOU COVERED?

• Primary Home
• Secondary/Seasonal Home
• Condominium
• Mobile home
• Renter's Insurance
• Landlord 1- 4 family
  

                   BASIC FORM?   

                                                BROAD FORM?

                                                                                             SPECIAL FORM?

                 ACV?                             REPLACEMENT COST?                                             

HOMEOWNER'S COVERAGES CAN BE CONFUSING......

                      Do you know what your policy covers?

Discuss the best available options with our experts.  We'll take the time to be certain you understand what you are covered for so that you won't be disappointed if a claim occurs.

PACKAGE DISCOUNTS AVAILABLE for insuring home and auto with the same carrier.

FLOOD INSURANCE is not covered by most homeowner's policies. It is, however, able to be quoted and purchased as a separate policy to cover your dwellings, outbuildings and contents. Approximately 25% of all documented flood claims occur outside the flood zone. Flood insurance is available to any homeowner or renter regardless of whether or not your location is in a flood zone.

PERSONAL UMBRELLA LIABILITY INSURANCE gives you added peace of mind when offered limits are not sufficient to protect your assets.  It is available to increase liability coverage on your home(s), auto(s) and recreational vehicle(s). 

Contact us in Owego, New York, at (888) 321-0045 to learn more
about our policies for life, health, and commercial insurance.