Personal Insurance

Homeowners Insurance

Buying homeowners insurance isn’t just about making your mortgage company happy. Homeowner’s policies can vary wildly in cost and coverage. Generally speaking, you get what you pay for in this arena.

Higher cost policies typically include critical features that bargain contracts do not, including benefits like replacement cost coverage for your contents and guaranteed replacement cost for the structure itself.

In addition, you can find some coverage for identity theft, higher liability and personal property limits of coverage, and protection for water that backs up into your basement when your sump pump fails. These coverages are not included in basic policies – which means you can’t rely on them being there for you if you’re paying basic prices.

We compare the cost and coverages available from the companies we represent and help you choose the best policy for you and your family. Our risk advisors will help you identify the additional coverages you should consider, define their cost, and help you tailor a homeowner’s policy that fits your budget AND your exposure.

It is ultimately up to you to determine how much coverage and which features you believe are important for you and your family. Our mission is to help you make an informed decision as you choose your homeowner’s insurance policy – not simply to give you the lowest cost option.

Contact us today to learn how you can choose the right policy.

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It’s the obvious choice to buy a homeowners insurance policy that will protect your home in case of a loss. Talk to a CAI Risk Advisor and discover how affordable the right coverage can be.

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Industry News

Taking control over the unknown requires more than an insurance policy. We've put our experience to work for you, sharing insights about emerging risks and the latest regulations that could impact you or your business -- helping you to protect your greatest assets.

7 Tips for Adding a Teen to Your Auto Policy

Adding a teen to your auto insurance will likely cause your premiums to increase. Although this can be quite costly, it is typically less expensive than having your teen purchase their own insurance, and it will provide them with the coverage they need.

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Floods are one of the most common disasters in the United States. It’s important to be aware of flood hazards no matter where you live, but especially if you live in a low-lying area, near water or downstream from a dam.

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