Home Insurance

Protecting your property and family from loss is just one of the goals of a home insurance plan. Offering you peace of mind both now and in the event of a loss is one of our top priorities at My Brady Agency. That’s why we help you assess your insurance needs before they arise by taking into consideration all the specifics that affect your situation. Many factors influence your need for coverage, including having a pool or detached buildings on your property. We will help you determine your needs and choose adequate coverage.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Remember Homeowners insurance also covers Renters and Condo Owners.  Before you get stuck having to foot the bill for repairs or personal injuries call us. Make sure you carry at least 80% coinsurance on your home insurance policy. We work with you to find the right coverage and the right price. Check with your agent to find out more.

Renters Insurance

Renters insurance is important for you if you are renting a home or apartment and want to be sure your possessions are protected from loss, theft or damage. It can also protect you in the event of liability claims as well.

In most cases you are not required to have renters insurance, but a landlord can require it in your lease. Carrying renters insurance protects you and the landlord by ensuring that no matter what happens on the premises, either your renters insurance or the landlord’s insurance will provide coverage.