Fit your Homeowner’s Policy to your specific needs. Start with the amount that it will take to rebuild your home exactly as it is. That may be more or less than its current market value.
Then add the required amount of coverage to replace your contents (furniture, appliances, clothing, etc.). If you have jewelry, silver or other valuables, add coverage for those as well. Work with your agent to determine the correct amount of coverage for your needs.
Finally make sure that you have enough Liability coverage as well.
When you get all done, you should have a policy that will respond to your individual needs. Buying Homeowners insurance should never be a “One Size Fits All” experience.
We are no more than a phone call or email away! We look forward to providing you with exceptional service.
Phone: (401) 421-0100 Fax: (401) 421-2376