Home Insurance

Are you a first time home-buyer?

Let us help you through the list of questions you’ll undoubtedly have. We’ll decipher the world of ‘insurance policy language’ and explain what it is you are purchasing.

Have you owned your home for some time?

With properly designed homeowners insurance, you can sleep a little sounder at night knowing that you have a safety net - layers of financial protection – working to protect you from the things that can happen to your largest investment. Even if most of your home is paid off, you've put a lot of love, sweat and cash into it. If something ever happens to your home, we at Benjamin Agency are here to make sure you don't lose any of the value you've fought for over the years to acquire.

Your home is…

an extension of who you and your household members are. It isn’t merely where you hang your hat, your home may be your largest financial asset. It can also present your biggest financial risk. At Benjamin Agency we take the time to get to know you, as well as what is most important to you to protect. Backed by “A rated” insurance carriers, we can advise you in designing a program that is best suited to your needs at an affordable price.

A Homeowner’s policy is a legal contract! Don’t buy it like a commodity.

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There are six basic coverage parts to a homeowners policy:

1) The building itself – your home

2) Other structures – your garage or shed

3) Personal property - your ‘stuff’

4) Personal Liability – you can be sued for your actions

5) Loss of use – you need to temporarily live elsewhere, due to a covered ‘loss’

6) Medical Payments – someone is injured

Do you rent your place of residence? Or do you own property that you rent to others?

We provide tenants insurance as well as dwelling fire policies for non-owner occupied properties, vacant dwelling policies, and builder’s risk for homes under construction.