Home Owners Insurance

 
 Your most valuable asset includes your home and providing for your financial security. With reliable and customized plans in place, you can be assured that we will “Grow with You” and as your lives change, we will recommend what will safeguard your family’s future.

• Homeowner's and Renter's Insurance
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Homeowners insurance provides replacement cost to your dwelling. That means if you were to have a disaster and lose the entire dwelling due to a fire, then the replacement cost coverage should pay to replace the building in its original condition. Sometimes because of the increased cost of materials and labor, the limit of insurance on the dwelling can be lower than the actual cost to replace the dwelling. Insuring to value is very important and unless the homeowner and agent regularly review the limit on the policy the insured may not find out until there is a claim that they are underinsured. This can be very costly to the homeowner if they are underinsured. If there is a partial loss, which occurs more often than a total loss, the claim payment could be a significantly less than the insured was expecting. We at Philip Baker Insurance know how important insuring to value is and provide annual review to policy holders which include cost estimation of their residents. Remember that finding out you have the wrong insurance usually occurs at the time of claim. Give us a call for a no obligation quotation.


• Country Homes and Gentlemen Farms



• Automobile
• Personal Umbrella
• Motorcycle
• Classic Cars and Hot Rods
• Classic Boats

Life Insurance
Disability Insurance
Annuities

 An annual review of your Homeowner’s/Renter’s and Automobile Insurance can keep you from being underinsured. Things change as your life goes on. A review can help make sure you are prepared.

Coverage for homeowners includes:

Liability:

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