Homeowner's Insurance

  • Insurance Overview

    Learn how to protect your most important asset.

    Many Homeowners insurance policies will provide basic protection for your property. However, basic protection may not offer all of the protection you want or need. Consider Tom Collins Insurance Agency's additional home insurance coverage options to tailor a policy that's right for you.
  • Insurance Overview

    What kind of insurance coverage is needed to insure you from damage and theft?

    We offer policies that provide protection from windstorm and hail, freezing damage, lightning and fire. Our qualified carriers will provide for accidental electrical damage to appliances, accidental overflow from plumbing and smoke damage. Furthermore, our team of experts can make certain our clients are protected from vandalism, damage by vehicles, theft and falling objects.
  • Learn more about additional home protection.

    • Replacement cost
    • Replacement cost on contents
      This coverage will pay to replace or repair personal property without depreciation being taken from the value of the property within your home or premise.
    • Scheduled personal property
      This add-on will protect personal possessions such as jewelry, watches, antiques and fine art.
    • Water backup
      If you encounter backup from sewers or drains, this line item will expand your policy to cover this potential burden
    • Ordinance or law
      Insurance will pay for increased expense to rebuild due to changes of building codes or ordinances.

Homeowners insurance discounts:

  • Fire extinguishers
  • Deadbolt locks on all exterior entryways
  • Monitored fire and burglar alarms
  • Local ultrasonic burglar alarms
  • Sprinkler systems
  • Updated roofs, shutters, windows and doors