Liability limits set too low - The cheapest quote usually gets there by setting the liability limit at the state minimum. That number is about what a policy costs, not about what you could actually lose in a lawsuit after a serious accident. We ask what you own before we recommend a number.
Actual cash value versus replacement cost - A roof insured at actual cash value pays out its depreciated worth - often not enough to replace it. Replacement cost pays what a new one costs today. The premium difference is small; the difference in what actually rebuilds your house is not.
Flood and earthquake are not included - A standard homeowner's policy excludes flood and earthquake outright. Both need a separate policy, and both are worth pricing even if you are not sure you need them - we can tell you what your area's risk actually looks like.
Sewer backup and ordinance upgrades - Two endorsements nobody thinks to ask about until they need them: sewer backup, which a standard policy usually excludes, and ordinance-or-law coverage, which pays to bring a damaged home up to current building code during a rebuild rather than just restoring what was there.
Umbrella liability, explained simply - An umbrella policy sits above your home and auto liability limits and picks up where they leave off. It is surprisingly inexpensive for the amount of protection it adds, and it is the single most under-bought coverage we see for anyone who has real assets to lose.
The annual review is the actual service - A policy set once and left alone is the most common failure we see. A renovation raises your rebuild cost, a teenager starts driving, a business adds a vehicle - coverage drifts out of date quietly. We call once a year to check it against your life as it actually is now.
