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Homeowners Insurance

Insurance can be confusing, but it doesn't need to be that way. We take the time to educate our customers, to truly evaluate their needs. As an independent agent, we provide a custom blend of options and prices from multiple insurance companies. This requires us to take more time up front truly shopping around for your best fit.

Anyone can put a quote form on the internet and tell you this is the best price, but that's not service - that's not making sure you have the appropriate coverages - that's a machine. Our personal approach means we take the time to understand your priorities and your budget.

Industry experts recommend considering the following when shopping for insurance:

• Can you handle a higher deductible to cut your premium cost?
• Are there homeowner's discounts available if you have a security system, fire extinguishers, or a central station fire alarm?
• Do you really need specialized coverage in your area (flood coverage, earthquake insurance, etc.)?
• Can you combine insurances to save money (homeowners and auto)?
• Can you improve your credit score to cut your premiums?
• What home improvements can reduce your risks (i.e. updating wiring in an older home, replacing an old roof)?
• Do you have adequate coverage? Don't wait for a disaster to learn you can't afford to rebuild.

At Service Insurance Agency, educating our customers about the policy terms and conditions and how insurance really works enables us develop a long-term relationship. Unfortunately, agents from a single company must part ways with their clients when they are cancelled or non-renewed for a multitude of reasons. Since we are independent agents, we are your agent for life.

Standard Coverage

The standard coverage protects the physical structure of your home and the personal contents from damage, such as: fire, smoke, windstorms, lightning and theft. Our coverage also helps for freezing, the weight of ice, snow or sleet, explosions and glass damage. Standard coverage also provides liability coverage for losses caused by negligence of you or others in your home that result in injury to another person or damage to their property.

Identity Theft Protection

Our insurance offers one-on-one assistance in recovery your identity and up to $15,000 to pay for expenses as a result of identity theft.

Scheduled Personal Property

This coverage is for unique or high-valued items that are separate from your general coverage. This includes items such as jewelry, furs, silverware, and other precious personal items. Talk to your representative about your special possessions.

Renters Insurance

You don't have to own the home to have homeowners' coverage. We can help if you make any improvements to your rental property at your own expense. We also have special coverages for your personal belongings. Water Back-up and Sump Overflow Ever worried about water backing up through the sewer or drains that are out of your control? We have a special coverage for those disasters as well.