At Maury Donnelly & Parr, Inc., we know that your home is your castle. It is the place where you make memories with your family and enjoy relaxing at the end of a long hard workday. But, are you adequately covered for the unexpected—such as a fire, theft, or flood?
Having a homeowner’s policy with an appropriate level of coverage is essential to making sure your family is taken care of should an unfortunate event occur. Prior planning can mean the difference between being able to replace lost possessions and rebuild your home versus having to shoulder the financial burden all on your own. In most cases, your mortgage company might even require that you keep regular insurance coverage on your property.
Factors that often determine how much you will pay for a premium vary. Some of these include:
The age of your home
The type of construction of your home
Your home’s distance from a fire hydrant
The zip code in which you reside
Your past credit and claims history
In some cases, discounts are available to help lower the overall premium of your homeowner’s insurance policy. These are often factors such as having an alarm system, installing a metal roof, or never filing a property insurance claim. You may also qualify for a special rate incentive if you also have your auto insurance policies with the same carrier.
One of the benefits of working with our firm is that we are able to sit down and determine the right carrier for your unique property coverage situation. Our knowledgeable staff at MDP will help you determine the right level of insurance to suit your needs. We can also assist with purchasing policies for vacation homes, rental homes, and commercial buildings. Additionally, renter’s insurance coverage is available for those who do not own their home or apartment directly.
For more information or to receive a free quote for your property, please contact our team today.
MDP helped us through a very complex builder’s risk in New York city and worked with us every step of the way. Their attention to detail was phenomenal, and they continue to provide our museum with an excellent risk management program today. MDP’s people are professional, enjoyable, and experts at what they do.