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Select what type of policy you would like to learn about and Young Alfred will spill the beans

What's included?

What Can Be Purchased As Add-ons?

What’s Never Covered?

Special Sublimits

  • Jewelry $1500
  • Furs $1500
  • Photo and Video Equipment $1500
  • Musical Instruments $2500
  • Silverware $2500
  • Golf Equipment $2500
  • Fine Arts $2500
  • Computer / Electronic Equipment $1500
  • Postage $1500
  • Stamps $1500
  • Coins $200
  • Firearms $2500
  • Bikes $1500

How Property Is Replaced

What’s Included

  • New Cost Replacement

    The cheaper option but with less coverage. Claims payments are based on the depreciated value of belongings. This means you get back the value your stuff is worth at the time of loss.

  • Used Cost Replacement

    The cheaper option but with less coverage. Claims payments are based on the depreciated value of belongings. This means you get back the value your stuff is worth at the time of loss.

  • New Cost Replacement

    The recommended option. Be sure to purchase this as an add-on. Depreciation is not considered when reimbursing you for stolen or damaged personal items. Belongings are replaced with new items up to your coverage limit.

  • Used Cost Replacement

    The cheaper option but with less coverage. Claims payments are based on the depreciated value of belongings. This means you get back the value your stuff is worth at the time of loss.

    New Cost Replacement

    The recommended option. Be sure to purchase this as an add-on. Depreciation is not considered when reimbursing you for stolen or damaged personal items. Belongings are replaced with new items up to your coverage limit.

  • Used Cost Replacement

    Most home insurance policies provide a minimum of $100,000 in coverage. This means that if your neighbor next door slips and falls on your icy driveway, the insurance company will pay up to $100,000 to the injured person per accident. You can increase your amount of coverage up to $500,000. We recommend matching this to your at least your net worth.

    Personal Umbrella

    Personal umbrella insurance provides extra liability coverage on top of your existing homeowner’s insurance. Umbrellas serve to protect you in the event of a devastating liability claim or judgement. For example, if your homeowner’s insurance covers you for $500,000 in damages but the claim is for $1,000,000, your umbrella policy would cover the remaining $500,000