Home & Auto

Home and auto policies are the ones almost everybody has and almost nobody has read. That is usually fine, right up until a claim, at which point the details decide everything — the deductible, whether the dwelling limit still reflects what rebuilding costs, whether the thing that happened is named in the policy at all.

A review is mostly reading. What are you insured for, what are you not, and where has the gap opened up since you bought it. Rebuilding costs and vehicle values have both moved considerably in recent years, and a limit set five years ago may no longer do the job it was chosen for.

From there we can look at what else is available to you. Bundling, adjusting deductibles, and adding coverage above the underlying policies are all levers, and they pull in different directions — I will show you what each one changes before anything is quoted.