A home is more than just a place to hang your hat. It’s also one of the biggest investments you can make in life. That’s why we work
with the most trusted insurance providers in the industry to find homeowners policies that protect you, your home and your property.

Talk to a

FROST RISK ADVISOR

(866) 227-2099


Or request a call or email

OWN A VACATION HOME?

Our risk advisors understand the unique needs of people who own multiple homes.

Learn about Private Risk Services

REMODELING YOUR HOME?

​We offer options for you to borrow the cash you need. Learn about Home Equity and Home Improvement Loans

HOW IT PROTECTS YOUR HOME AND POSSESSIONS

If a storm, theft or fire ever did strike, homeowners insurance would help by paying the cost to repair or rebuild your home and to replace your belongings. Policies may include coverage for:

  • Other structures on your property, such as fences, detached garages and storage sheds
  • Furniture, clothing, appliances and electronics
  • Alternative housing while your home is being repaired

HOW IT PROTECTS YOU AGAINST LIABILITY CLAIMS

Homeowners insurance protects you against claims made by others who are injured on your property, and in the event a family member injures someone or damages their property. For example, kids playing baseball on your lawn break a neighbor’s large bay window. While the limits vary by policy, the liability protection may provide you with:

  • A minimum coverage amount, typically $100,000
  • Option to purchase up to $1 million in additional coverage
  • Coverage of medical bills for people injured on your property, or in some cases, away from your home

RENTERS INSURANCE

If you’re renting a house or apartment, your landlord’s insurance only covers the building itself. So it’s a good idea to protect your personal belongings with coverage of your own.

Get started by calling (866) 227-2099 or request a call or email.

WAYS TO REDUCE YOUR INSURANCE PREMIUM

There are some simple ways to lower your monthly premium. For example, you could:

  • Bundle home, auto and umbrella coverage from same carrier
  • Use a monitored alarm and/or video
  • Install an interior sprinkler system
  • Install smoke detectors and burglar alarms
  • Put in deadbolt locks
  • Install a fire extinguisher

BENEFITS BEYOND YOUR HOME

Many homeowners don’t know about the incidental coverages that may be provided in your homeowners policy at no additional cost, including:

  • Credit card fraud and forgery
  • Fire department service charge
  • Refrigerated products
  • Arson reward
  • Lock replacement

TAKE INVENTORY OF YOUR BELONGINGS

After a loss, it can be difficult to remember everything you had in your home. So it’s a good idea to take inventory of the things you own, including the value and serial numbers. Tour your home with a video camera or camera and record everything you’d want to replace. Then store a copy of the video or pictures in a safe place other than your home, in case of a fire or theft.

Get started by calling (866) 227-2099 or request a call or email.