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For some people, a car expresses the essence of their being. To others, it's an object to get from point A to point B. We offer a variety of coverages and companies to choose from, based on your specific needs.
Depending on the company you choose, you can get discounts for:
- Free Windshield Repair
- 24-Hour Claims Hotline
- Guarantee on Repairs
- Flexible Payment Options
Advantages vary from company to company, and some require the purchase of certain coverages. We'll review your options with you to find the company and coverage that are right for you.
Blanchard & Calhoun understands that your house is one of the largest investments your family will make. We want to make sure you are educated on how to properly insure and protect it. Home insurance is broken into two main coverages: property & liability.
PROPERTY: The property section is broken into 4 different categories:
- Dwelling- coverage on the building
- Other Structures- coverage for any structure on your property that is not attached to the building: fences, pools, sheds, detached garage
- Personal Contents- coverage for household items from furniture, clothes, tools...
- Additional Living expenses- coverage for immediate funds needed if a loss occurs that makes the home inhabitable and your family has to relocate while the home is repaired
- Personal Liability coverage is extended for any damages caused to a third party due to your negligence and you are personally sued. Blanchard & Calhoun encourages purchasing at least $300,000 in coverage.
- Medical Payments- the home insurance policy also extends Medical Payments. Most policies have $1,000 per person for medical payments for injuries incurred by guests and a law suit is not desired
OPTIONAL COVERAGES: At Blanchard & Calhoun, all of our quotes will include several important options that are not included on the basic home insurance policy that we find extremely important to add.
- Replacement Cost on Dwelling
- Replacement Cost on Personal Contents
- Water Sewage Backup
- Identity Theft
- Account Credit (home and auto insured by the same carrier)
- Alarm Credit
- Larger Deductible
ITEMS THAT AFFECT PREMIUMS:
- Age of Roof, Plumbing, Electrical or Heating and Air
- Dog ownership- certain breeds are prohibited and can be excluded under liability coverage
- Age of the home
- Location of Fire Department and Fire Hydrant
- Type of Construction
SPECIAL ITEMS COVERAGE- Many riders can be added to a home insurance policy to add additional coverage for specialty items:
- Jewelry, Guns, Antiques, Collectibles, Art, Musical Instruments, Silverware, Furs