Classic house exterior with brick trimmed entrance porch, green lawn and trimmed hedges. Garage with driveway

Home Insurance

Our home insurance policies cover damage to your home and its contents. Come fire, wind, or rain, we have you covered. We also protect the liability of those living under your roof. After talking about your needs and concerns, we will find a policy to give you the protection you need. Consider our policies a shield, protecting your home from the typical risks and unexpected bumps.

Homeowners Insurance FAQs

What is Homeowner’s Insurance?

What does this cover?

This insurance covers a wide range of risks that you may face. Property Damage including your residence, detached structures, personal belongings, theft, and valuable items you may want to schedule. Personal Liability coverage in the event of a lawsuit against you, your family, or your pet due to an accident or negligence. This policy also provides Additional Living Expenses in the event your home is uninhabitable and alternative living arrangements must be made temporarily.

How does Homeowners Insurance work?

Your home is likely the largest investment you and your family own. Homeowners Insurance protects your investment from losses caused by fire, wind/hail, severe storms, theft or burglary and much more. The limits are typically determined by the structural replacement cost value of your home. There are also “automatic” limits for your personal property on an actual cash value, or replacement cost basis. A deductible is chosen when your policy is written, and it is paid by you before the company pays for a covered loss.

How do I buy a Homeowner’s policy?

To discuss your situation, it is best to see your Blum-Leonard Insurance agent and visit with them about your home. They will also offer you the option of packaging your home and autos together for additional discounts that may be available to you. As an Independent Insurance Agent they will share their education and experience with you, and offer you options with the many insurance companies they represent. They are a Trusted Choice resource, there for you, to make an informed choice.

Auto Insurance

Your car is under constant risk, whether you're behind the wheel or not. Our auto insurance covers you, your loved ones, and your car. We will talk with you personally to make sure you have the right amount of protection, and help you select the optional coverages that may help further shield you from life's speed bumps.

Personal Auto Insurance FAQs

What is Auto Insurance?

What does this cover?

Why is this important?

Is Auto Insurance required?

How do I buy a Personal Auto policy?

To discuss your situation, it is best to see your Blum-Leonard Insurance agent and visit with them about the vehicles you drive and your specific insurance needs. As an Independent Insurance Agent they can share their education and experience with you, and offer you options with the many insurance companies they represent. They are a Trusted Choice resource, there for you, to make an informed choice.

Insurance concept - umbrella demonstrating protection. Man with illustrations on dark background, closeup

Umbrella Insurance

The Personal Umbrella Insurance policy provides an excess layer of dollars to your underlying insurance policy limits. Written in increments of $1,000,000 above your homeowner, autos, and other vehicles, we suggest you consider this very affordable additional layer of liability protection. Let’s visit about the advantages a Personal Umbrella Policy can offer you and your family.

Personal Umbrella Insurance FAQs

What is Umbrella Insurance?

What does this cover?

Why is this important?

Is this a standard policy?

How do I buy a Personal Umbrella policy?

Condo Insurance

A Condo policy is very similar to your home-owners insurance form, providing basic liability, living expense, guest medical liability, walls-in interior coverage, and personal property insurance protection. The limits of the policy can be are tailored to your needs. It is important to review your HOA’s Master Policy. The Master Policy contains contractual covenants, conditions and restrictions pertaining to insurance coverage for common areas and property. Please contact one of our licensed agents at Blum-Leonard Insurance, to help determine the right amount of coverage you may need.