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Your home will be one of the most significant investments you will ever make on a personal and financial level. Allow us to give you peace of mind knowing that your home will be protected during the good and the bad times. Here are a few things to consider when looking for home insurance:

To determine the right coverage amount you need for your house, you have to consider the cost of rebuilding your home in the event that it would need to be reconstructed. Along with rebuilding your home you’d also have to repurchase all of your house items including your personal processions.

  • Factors that will determine the cost of rebuilding your home:

    • Local construction costs

    • The square footage of the structure

    • The type of exterior wall construction–frame, masonry (brick or stone) or veneer

    • The style of the house (ranch, colonial)

    • The number of bathrooms and other rooms

    • The type of roof and materials used

    • Other structures on the premises such as garages, sheds

    • Fireplaces, exterior trim and other special features like arched windows

    • Whether the house, or parts of it like the kitchen, was custom built

    • Improvement to your home–adding a second bathroom, enlarging the kitchen or other additions that have added value to your home

  • Insuring expensive items with floaters/endorsements

    • There may be limits on how much coverage you get for expensive items such as jewelry, silverware and furs. Generally, there is a limit on jewelry for $1,000 to $2,000. This will all be gone over with you while creating your policy.

Drive way of a two story home, surrounded by trees.

Let Griffith Insurance & Financial Services, Inc. help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business or both, is our goal.