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.

Car Insurance: More than the Lowest Rate

The right coverage for you shouldn’t be driven by price alone. Be sure to talk to a CAI Risk Advisor who can build a plan that gives you the protection you need.

Protect Your Home for What It's Worth

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.

Get the Right Coverage

Protect more than your property. Protect your finances and future with umbrella insurance. It can be surprisingly affordable. Talk to a CAI Risk Advisor to learn more about your options.

Life Insurance Buys More than Peace of Mind

Life and disability insurance are an important investment for individuals and families. It’s often less expensive than you think. Protect your personal income. Talk to a CAI Risk Advisor today.

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.

Why You Need Umbrella Insurance

Life is unpredictable. Of course, you already know this. But have you considered all the risks you currently face? Distracted drivers. People using social media to expose others’ dirty laundry. Teen drivers, carpools, pets, parties, and even your occasional housekeeper are all examples of everyday risks…

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You Think You Won’t Qualify for Life Insurance, but You’re Wrong

You want to protect your loved ones for the future once you’re no longer around to provide for them. We all do. Life insurance gives you that peace of mind that your family will be taken care of after you’re gone…

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