Home Insurance

Being an Independent Insurance Agency gives us the flexibility to offer home insurance products from a variety of Insurance Companies.

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We always review the following coverages with our clients…

The Replacement Cost We Estimate To Build Your Home
The Guaranteed Replacement Coverage Of The Company We Are Quoting
Adequate Levels For Personal Property Coverage
The Water And Sewer Backup Coverage Of The Company
Adequate Liability And Medical Payments Coverage
The Difference Between Named Peril And All Risk Contents Coverage
The Theft Limitations For Theft Restricted Property (Jewelry, Furs, Stamp Or Coin Collections, Guns, Silverware And Cash
The Need And Advantage Of Scheduling Theft Limited Items On A Valuable Articles Policy Should The Client Have Special Needs In That Area
Deductible Options For Premium Savings
Loss Assessment Coverage For Condonium Associations Or HOA’S
Identity Fraud Coverages
Differences In Claims Settlements Between Companies If You Elect Not To Rebuild Your Home

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Rick and Chubb have been lifesavers for us. Rick and Chubb are the standard by which all insurance services should be measured. Our case is a great example of why, when you really, really need your agent and your insurance to come through, you want the best.

There is no way we can adequately thank Rick for his help and guidance.

Bill and Tiana Gray, Boulder, Colorado