Homeowners Insurance:

The single biggest investment you may make is life is your home.

Are you sure you’ve protected your investment?

Let us review your homeowner’s policy with you and make sure there are no gaps in coverage.

Renter's Insurance:

Are your valuables covered in the event of a fire, theft, or broker water pipes? Who will pay your living expenses if your apartment is uninhabitable due to a covered loss? More...

Ask us - we’ll be glad to show you how inexpensive renter's insurance is.

Condo and Town Home:

We can help you read your association’s bylaws and determine exactly what you need to insure. More...

Earthquake Insurance Coverage:

Most homeowners policies do not cover earthquake insurance or earth movement. However, earthquake coverage is an available coverage in most states.

The Facts:

• Rates for earthquake insurance can vary significantly. In earthquake prone areas, the cost of this insurance is relatively high. In other areas, it is relatively inexpensive.

• In California, earthquake insurance is handled by an independent organization. California Earthquake Authority (CEA) coverage is available through our agency.

Flood Insurance Coverage:

It only takes a few inches of water, and your home could need major repairs. Yet most homeowner's policies don't cover flooding. Find out the facts, and then contact us for flood insurance.

The Facts:

• Many are at risk for floods. You don't need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems.
• Flood damage is not covered by homeowner's policies. You can protect your home, business, and belongings with flood insurance from Davidson -- up to $250,000 for the building and $100,000 for contents (amounts may vary.)
• Contents coverage is separate, so renters can get flood insurance. Up to $100,000 contents coverage is available for homeowners and renters. Contents are not automatically included with the building coverage.
• Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents. Up to $500,000 of coverage is available for non-residential buildings and up to $500,000 of coverage for their contents.
• There is usually a 30-day waiting period before the coverage goes into effect. Plan ahead so you're not caught without flood insurance when a flood threatens your home or business.
• Federal disaster assistance is not the answer. Federal disaster assistance is only available if the President declares a disaster. Flood insurance pays even if a disaster is not declared.

Umbrella Insurance:

What happens when your auto and home liability coverage is not sufficient to cover the claim that was filed against you? Do you have assets at risk? What about salary that can be garnished? Can you afford to risk your financial security? See how inexpensive umbrella coverage is!

Call us for quotes on:
Home, Apartment, or Renter Insurance.

We specialize in the insurance you need to
keep your "home sweet home"

 

Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

There are seven standardized homeowners insurance forms in general and consistent use.

1. HO-1 A limited policy only for items specifically outlined in the policy

2. HO-2 A limited policy in that it covers specific portions of a house against damage.

3. HO-3 This policy is the most commonly written policy for a homeowner

4. HO-4 This is commonly referred to as renters insurance or renter's coverage.

5. HO-5 This policy, similar to HO-3, covers a home (not a condo or apartment)

6. HO-6 As a form of supplemental homeowner's insurance, also known as a Condominium Coverage, is designed especially for the owners of condos.

7. HO-8 It is usually called "older home" insurance.