I have been in the property and casualty business since 1997, serving the San Francisco Bay Area. We pride ourselves in knowing about our customers and servicing their needs.
Yes. Homeowners do not know about insuring their properties correctly as they have to understand what it really will cost to replace it in like kind and being put back whole.
New homeowners should shop but also be intelligent about their choices and realize that this is to protect themselves in case of a catastrophic event such as fire or bodily injury. They also should not wait till the last minute when this is their first purchase.
We have various experience as to what the cost is between labor and materials and also we do a cost estimate based upon information provided to us.
Premiums increase because of inflation and what the cost may be today and not a year ago. Homeowners should still maintain proper dwelling coverage and liability coverage to protect their assets.
Email or phone and we will always get back to them in a timely manner, most of the time within a few hours.