Insurance that combines liability insurance and hazard insurance. These days, you hear a lot of talk about low-cost auto and home insurance. But what these advertisements do not tell you is what you actually get – or do not get – for your money.

Very important coverage to consider is:

Liability limits (we recommend at least $300k) and this protects you in case of a lawsuit related to an at-fault car or boat accident or injury on your property,

Uninsured and Underinsured motorist coverage (we recommend at least $300k) and this protects you in the event someone injures you and does not carry enough liability protection on their policy, and

Replacement cost on your homeowners so if you do have a fire that completely destroys your home your policy will cover the total cost to rebuild your home using like materials.

By packaging the auto and homeowners policies together we can save you money.