Roof, walls, wiring and everything stacked inside them. I hand you the limits, show what a repair bill really looks like, and start the cover on a date you choose.
Each part carries a limit you set and I explain before it goes live.
I rebuild walls, roof, floors and wiring back to the shape they held before the damage.
Learn MoreI log clothes, appliances and garage gear, so a claim pays what it costs to replace them.
Learn MoreIf a guest is hurt on your stairs, I take on the medical and legal bills that follow.
Learn MoreDamage rarely picks a good week. A pipe splits on the coldest night, or a limb drops across the porch roof.
I put the whole picture on one screen, so you can see what a policy pays toward the repair, what stays with you, and where the ceiling sits before you sign.
I run storm, fire and water damage down a single claim path.
I value furniture, tools and gear at replacement cost.
I bury nothing. Every limit, every exclusion and every deductible sits in the open where you can weigh it against the budget you actually have.
I write terms the way I would say them out loud.
Raise the rebuild figure, or drop the deductible.
File online, then track each stage to the payout.
I flag any price change early, and spell out why.
Tell me the basics: build year, roof age, square footage, heating setup and anything of real value sitting inside.
Look at cover levels side by side. Slide the deductible up or down and watch what each move does to the yearly figure.
Lock the mix that fits, choose a start date and get the full policy document in your inbox the same session.
Open a claim online, upload photos of the damage and track every stage from first review through to the payout.
I cover the structure itself, the belongings kept inside it, liability if someone is hurt on the property, and living costs while the house is being repaired. The exact mix comes down to the limits you pick when I set the policy up.
I base it on what builders in your area would charge to put the same house back up, using current material and labor costs. That figure is not the market price of your property, since land value plays no part in a rebuild.
Personal property cover travels with you, so a laptop taken from a hotel room or a bike stolen from a rack can still be claimed. I ask you to list higher value items such as jewelry or instruments on their own so they are fully covered.
I log the claim, an adjuster reviews the photos and notes you sent, and a damage figure comes together. From there you get the approved amount minus your deductible, and I keep the status of every stage visible in your account.
Yes. I can move a deductible at renewal, and in many cases mid term as well. Lifting it lowers what you pay each year but raises the share you handle yourself when a claim is approved.
