Personal Insurance

A deductible is the amount you're responsible for paying toward a covered loss before your insurance pays, subject to your policy's terms and limits.

Deductibles can vary by policy and type of claim. Choosing the right deductible means balancing your insurance premium with the amount you're comfortable paying out of pocket.

Jewelry, fine art, antiques, and other valuable possessions may have coverage limitations under a standard homeowners policy.

We can review your existing coverage and discuss whether additional protection, such as scheduled personal property or a separate specialty policy, makes sense for your collection.

Not necessarily. Homeowners insurance typically relies on estimated replacement costs rather than a property's market value.

When reviewing your coverage, we may recommend updating your home's replacement cost estimate to account for renovations, improvements, and changing construction costs.

Certain high-value homes or valuable collections may require additional documentation or updated appraisals, depending on the insurer.

Standard homeowners insurance policies generally exclude flooding. Separate flood insurance may be available to help protect your home and belongings, whether or not your property is located in a designated high-risk flood zone.