Your home is very likely the most valuable asset on your balance sheet. You need to make sure that is it covered correctly so that in the event of a fire or other disaster you can be made whole again.
Over 80% of the time when clients ask us to review their homeowners insurance, we see glaring coverage mistakes by the current agent or broker. We see replacement costs that are set at 50% of what it would actually cost to rebuild your home in your neighborhood.
We see policies that have unfavorable terms that would only reimburse you with a depreciated value on your flooring, appliances, fixtures, furnishings and belongings. We see personal liability limits so low that you could be forced to make a cash payment to cover a judgement against you for a dog bite.
PNL Insurance Services will make sure you are covered correctly and explain the coverage terms in your policy in a way that will make it understandable. Our brokerage writes policies with top rated carriers such as Safeco, Liberty Mutual, Chubb, AIG, Travelers, The Hartford and Lloyds. Please call or e-mail us if you would like to discuss your insurance needs.