Your home is one of your biggest investments and it’s where you find shelter from the storm. J. Williams Insurance knows how to provide you with the right home insurance coverage, whether you live in a single-family house, a condo, or rental unit. We’ll guide you to an insurance policy that fits your type of home as well as your budget.
There are many different types of homes, and we will discuss with you multiple options that fit your individual needs. A home insurance policy will help you cover the home’s structure and your personal belongings inside, along with sheds, detached garages, patios or pools. A condo policy will cover the condo’s interior structures such as walls, lighting, and fixtures, and protects your items within. A renter’s policy is usually inexpensive and protects your personal contents.
It is important to remember that many items may not be covered, or covered on a limited basis, in a standard home, condo, or renters policy. Items such as jewelry, artwork, antiques, and firearms may require special, itemized coverage. Ask us about special endorsements that can be added to your policy to protect your sentimental valuables.
Typically, floods are not covered under a standard homeowner's policy, and a separate, supplemental policy is needed to protect your home against the nation’s #1 natural disaster.
One of our top priorities is providing you with home insurance that meets your individual requirements.
Home insurance offerings:
- Personal Umbrella Liability
- Jewelry/Fine Arts/Valuable Items
- Flood Insurance
- Dwelling Fire/Rental Homes 1 – 4 Family
- Recreational Vehicles
Commonly overlooked home insurance items:
- Adequate Home Replacement Value
- Identity Fraud Expense Coverage
- Ordinance or Law Coverage (To cover Building Code changes)
- Condominium Loss Assessment Coverage
- Condominium and Unit Owners Building Items Coverage
- Sewer Backup
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