INSURANCE

To be an insurance broker is an invaluable ally for the consumer. An insurance policy is a promise to pay in event of an insured claim. Purchasing insurance can be complicated as insurance policies are legal documents and not every policy is the same. Purchasing insurance through us will give you Peace of Mind. Our foremost duty is to our clients. An insurance broker works for you.

As a consumer of insurance, it is in your interest to find a suitable Insurance broker to handle your Insurance Policy. We have the responsibility to provide fair and honest information about your insurance needs. We can help you find the coverage that's right for you, for your home, car, business or health.

We shall advise you on how to make the most out of your insurance by asking you questions in order to help you establish the limits of protection you need and In the event of a claim, we shall guide you through the settlement process.

We provide the knowledge, choice, convenience and professionalism that you deserve.

WHAT IS INSURANCE AND WHY IS IT IMPORTANT?

The purpose of insurance is to compensate the victim of a loss for the actual amount of that loss, no more and no less. And, having an insurance policy provides individuals with the means to shift their financial responsibility for a loss to a third party.

A house is more than the place where you live. It is your home. It represents security for those who live in it. It is probably the biggest investment you'll ever make; it is independence for first-time homebuyers, and so much more. Something as valuable as your home needs a lot of care. This is why you need insurance.

Insurance is vital to protecting yourself from unexpected losses. Your homeowners' insurance policy covers your house and personal property, and protects you from liability claims. It is something you cannot do without, and should purchase as soon as you become the owner of a house, even if it is still under construction.

All homeowner's policies provide coverage for:

. The house and the structures attached to it.
. Personal property or the contents of the insured dwelling, such as the furniture, the
• appliances, your clothes, etc., as well as the personal effects of your family members.
. Liability, when, due to negligence, you may be held responsible for an act causing
• injuries or property damage to others.

However, policies differ with respect to coverage and claims settlement. For example, most policies will cover the dwelling(s) on a Replacement or Rebuilding Cost basis. This is why the limit of insurance provided for your house could be higher than the purchase price of the house. Part of our job is to determine the estimated Replacement Cost of your home or property to ensure adequate coverage.

It is also important to periodically review your policy to make sure that the limits of insurance accurately reflect your home improvements.

We know that every individual is different, and it is our job to make sure you have the best coverage possible for your specific needs.