Whether you own a house or condo, or rent an apartment, you need to protect your home and possessions against potential losses and costly lawsuits.
SeibertKeck insurance agents are trained personal insurance experts and know the best ways to guarantee all your assets are protected against loss or liability. We will insure your home at 100% replacement cost, not at the market value, which enables us to fully repair or replace your home and possessions in the event the unthinkable happens.
Our Process is simple.
Your SeibertKeck agent will ask you a number of questions to help us determine what your greatest risks, goals and assets are. We will then sit down and build a comprehensive insurance package that best covers your needs, while fitting within your budget.
Simultaneously, we will search for any additional cost savings you can obtain by making improvements to your home, such as installing deadbolt locks or updating your current electrical box. These types of details can end up saving you hundreds of dollars over several months and years.
Potential Discounts include:
- Combination dead bolts, fire extinguishers, local fire alarms and smoke detectors
- Central station (burglary and/or fire)
- Auto and home insurance under the same policy
- Loyalty discount
- Prior home coverage
- Loss-free discounts
- Carrying a higher deductible
There are several insurance endorsements to consider, depending on where you live, that your current homeowners insurance policies may not include. Be sure to speak with your SeibertKeck agent about the following:
- Replacement cost on dwelling & contents
- Home business
- Backup sewer & drain
- Identity theft (see below)
- Scheduled personal property or inland marine
- Equipment breakdown
- Builder’s risk
- Computer coverage
Insure against identity theft through an optional endorsement available under your homeowners policy. An imposter can obtain key pieces of personal information, such as your social security or driver's license numbers. Using this information, they can attempt to obtain credit, merchandise and services, or create false credentials in your name. Identity theft can have a profoundly negative impact on your life and potentially destroy your credit history, which can take years to re-establish.
This endorsement provides first-party coverage for expenses incurred by the insured due to identity theft initially discovered during the policy period.