Recent catastrophes, increasing personal liability judgments and a rise in identity theft have sparked concern with consumers regarding how their homeowners insurance policy will protect them.  Most consumers only become aware of the many differences in available protection after a loss.  The Daniel and Henry Co. welcomes the opportunity to meet with you and discuss options tailored to meet your insurance needs.

Some available options that most standard policies do not include are:

• Guaranteed Replication Cost - Replacement cost coverage that promises to replicate your home regardless of the cost and with quality materials.  Most standard policies cap replacement value and provide builders grade materials.

• Cash Settlement - Have the option to rebuild your home on site or take a cash settlement, after a loss.

• Identity Theft Protection

• Unlimited Back up of Sewer and Drain coverage

• Business personal property coverage of $10,000 - most policies provide substantially lower limits of business property on or away from your residence.

• Earthquake Coverage