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Home Insurance

Home Insurance from NRG Insurance

NRG Insurance will customize the coverage on your home to make sure there are no gaps. We will shop dozens of top rated companies to find you the best combination of coverage, price and service.

We will discover what contents you value the most, and make sure these items are fully covered because many policies have special limits on certain items like jewelry, silver, firearms, money, coins and securities.

Policy Review

Reviewing your policy every three or four years, or after you make improvements to your home will keep your coverage as current as possible. For many people, their needs don't change on a regular basis. It's still important to have your policy reviewed on occasion to make sure you have the amount of coverage you need to remain fully protected. A policy review should be performed whenever you make renovations or improvements to your home. You should also consider a review if you have purchased new appliances or furniture. Anytime you add value or downsize, you should talk to your insurance agent to ensure your coverage remains current.

Questions you need to ask about your Homeowners Policy:

  • Do I have Replacement Cost or Actual Cash Value on my roof? (If you have ACV then your out of pocket costs can be much higher than your deductible in the event of a roof claim!)
  • Do I have full replacement cost coverage on my home in case of a Total Loss?
  • Do I have Replacement Cost Coverage on my Contents?
  • Do I have enough Contents Coverage to replace all my belongings?
  • Do I have special Limits on Theft of Guns? Jewelry? Silver? Coins? Computers? Cameras?
  • Can I buy a Flood Insurance Policy on my home?

 

Our Partners:

  • American Modern
  • AmTrust
  • Banner & William Penn Life
  • Berkshire Hathaway
  • Chubb
  • CNA
  • Dairyland
  • Encompass
  • Foremost
  • The Hanover
  • Liberty Mutual
  • Mass Mutual
  • Metlifeb
  • Mutual of Omaha
  • Nationwide
  • Philadelphia
  • Principal
  • Progressive
  • Protective
  • Prudential
  • Safeco
  • State Auto
  • Hartford
  • Travelers

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