Rebuild Limit
I compare your dwelling limit with what a rebuild would cost at current labor and material prices.
Services
I go through a home policy with you part by part, so every limit and deductible has a clear reason behind it.
What to expect
A Careful Read of the Policy You Hold
I do not hand the same plan to everyone. I read the policy you have, or the quote you are weighing, and explain what each part would do after a loss.
By the end you know which limits protect the building, which protect what is inside it, and which questions are still worth raising with your insurer.
What I do
The Parts I Review With You
Contents Inventory
I show you how to list what you own room by room, so your belongings limit rests on real items.
Liability Limits
I explain how much protection you have if someone is hurt on your property and whether it suits your situation.
Temporary Housing
I go over how much your policy would pay toward a place to stay if repairs keep you away from home.
Other Structures
I check the limit for sheds, fences and a detached garage, which sits apart from the main house limit.
Deductible Choices
I explain how a higher or lower deductible changes both your premium and what you pay after a claim.
Common gaps
Where a Standard Policy Often Stops
Flood Water
Rising water from outside is usually left out of a home policy and needs its own separate cover.
Drain Backup
Water pushed back through a drain or sump is often excluded unless you add an endorsement.
Code Upgrades
Rebuilding to newer building rules can cost more than the original limit allows for.
Valuables
Jewelry, art and collections tend to carry low caps unless each piece is listed by name.
Before I start
What Helps Me Review Your Home
A few things on hand make the review quicker and more exact. None of them are required, and I can work with whatever you have.
- Your current declarations page
- The rough age of the roof and main systems
- Notes on any remodel or addition
- A list of your higher value items