Homeowner's / Renter's Insurance

For most people, their home is their most valuable asset. Financial value is just one aspect of your home's overall value. More important, your home represents your family's nucleus, where you live and thrive. That's why protecting your home is vital to your well-being. A. Logan is here to help you.

If you have personal property - for example, clothing, furniture, electronics, kitchenware and more, you need the protection of a homeowner or renter's insurance policy. You may be surprised to calculate the replacement cost of your personal belongings. This makes homeowner or renter's insurance a must.

This coverage will pay to replace your personal property that is destroyed in a fire, disaster or other casualty. A. Logan offers policies that cover you in a home or apartment, and if you own or rent. These policies can also be designed to protect you against potential lawsuits from someone that gets injured at your home.

When you purchase a homeowners policy, most of our clients prefer a "guaranteed replacement cost" clause. This means that in the event your home is damaged or destroyed, your home will be rebuilt regardless of cost. For apartment insurance, replacement cost valuation functions in a similar fashion. Your policy limit cannot be exceeded, but you will receive money to repurchase your possessions.

Your premium is based on many factors. The insurer - the company that provides the coverage - determines the quality of the policy. There are also a variety of policies that cover "all" losses; or specific losses, which is called "named-perils." We can help you make the best choices for your particular needs and circumstances.


Our specialists can also help you save money - in other words keep your premiums low - by selecting the highest deductible you can afford. A deductible is the amount you pay in the event you incur a loss, the amount before the insurance company pays you. In addition, when you keep your insurance claims report loss free, this will help you keep your premiums low. You can save money when you purchase multiple policies from the same insurer.

To ensure that you carry adequate coverage and to help settle a claim, maintain an up-to-date home inventory. Our handy home inventory booklet makes this process easy. The completed booklet along with photos or a video of your property will help settle a loss quickly and fully. Be sure to keep a copy of these records at a location other than your home.

To learn more or obtain a free quote, contact A. Logan