In order to best serve you, we look at numerous variables prior to making a suggestion:
Replacement Value of Your House: Our company is able to add replacement cost insurance coverage to your policy to guarantee that your house is reconstructed to the exact specifications utilized in its initial construction at today’s premiums. The exact caliber of materials will be utilized, and your home will appear as close as feasible to what it was prior to the loss.
Amount of Personal Property Coverage: If you desire, our company can include replacement cost insurance coverage on your personal property; this will replace your belongings as a result of an insured loss– by having no deduction for depreciation which may have happened. Coastal Community Insurance Agency highly recommends that your private property coverage be built to include all threats, and incorporate important belongings like precious jewelry, antiques, or a schedule of fine arts.
Special Coverage: A sizable number of property owners have high-risk assets. These assets include fences, pools, and sheds that are hardly covered with a basic home owners policy. Our company will recommend suggestions about making the most of your policy and ensuring that you’re appropriately protected.
Personal Liability: Our company will help you determine the correct sum of personal liability protection that needs to be included in your insurance policy. This value might possibly fluctuate depending on the amount of any assets you may posses.