A Different Type of Home Insurance
Your home is different. Everything about it, from the value and design detail to the precious things you keep inside, is different from anyone else’s. So why should you have a standard homeowners insurance or renters insurance policy that’s just the same as everyone else’s?
The answer is, you shouldn’t. Otherwise, you may discover that you don’t have the protection you need, that you’re paying for home insurance you don’t need, or you simply don’t have enough coverage to meet the costs of replacing lost or damaged things.
If your insurance agent really cares about you, as we do here at Hawk’s Bay Insurance Group, they should be building a customized home insurance program around your particular needs.
Not only that, but they should be able to advise you on any special coverage you may need. For example, high value homes often benefit from additional umbrella coverage, while rented homes may only need protection for contents — not the structure of the building.
Hawk’s Bay Home Insurance Options
At Hawk’s Bay, we create a personally tailored homeowners insurance or renters insurance policy drawing on many different options that we’ll discuss fully with you.
It includes important parts that protect you against the most expensive risks you face — like loss of your home and contents through fire or theft, or lawsuits for injury or damage caused to someone on your property or to a neighboring property.
You can’t go without this protection. But there are many other things to consider, such as:
- Whether you should opt for full replacement cost of lost or damaged buildings and other property, including inflation protection.
- Whether you might want coverage for the cost of temporary accommodation.
- Whether you need protection against identity theft and credit card forgeries.
- Whether you want protection for your personal possessions while traveling.
We also can provide additional coverage for secondary homes and vacation properties, landlord insurance, outbuildings protection, high-value collections, flood and earthquake.
Don’t worry. We’ll explain all of your options — and the cost — fully to you and answer your questions before customizing your coverage.
How Hawk’s Bay Saves You Money
The great thing is that we have a team of experts who know everything there is to know about homeowners insurance and renters insurance. Hundreds of clients already rely on us for their home protection.
Not only that but, as in independent agent, we work with many different home insurance companies — but only the best — constantly comparing rates and coverage options.
In other words, we’ve already done the shopping around for best protection that’s so important these days.
Often, we can secure valuable discounts — for example if you have more than one policy with the same insurer, if you have special security arrangements that make your home safer, or if you are prepared to pay a higher deductible (the amount you pay from your own pocket before the insurance kicks in).
What’s more, as a insurance agent, we’re here on your doorstep, not somewhere in the cloud, to answer your questions, solve problems, provide advice and support you if you need to make a claim.
It’s person-to-person coverage that’s difficult to find these days.
Get Answers and Get Protected
No need to shop around. No need to worry. You’ve come to exactly the best place for your home insurance.
You can call us, email us or click on the button and we’ll answer your questions, tell you how much you can save, and give you a fast ball-park quote — all without any obligation.
And then, if you’re interested, we’ll sit down with you and customize the best possible coverage for you and your budget!
Let’s talk. Get in touch now.