Homeowners Insurance

 

Traditional Homeowners Insurance

A home purchase is a substantial investment. At Cullen & Associates we understand that the needs of every homeowner are different. As an independent agency, we can shop multiple insurance companies to find the right homeowners insurance for you! Today most mortgage companies will require that you carry homeowners insurance as a part of your finance agreements when purchasing or refinancing a home. Cullen & Associates can work with your mortgage company to make buying and insuring your home as simple as possible.

 

Typically a homeowners policy will provide coverage for your home, other structures on your property, your personal property (furniture, clothing, appliances, etc.), additional living expenses, and your personal legal liability. It is important to work with an experienced agent that can analyze your specific needs to ensure that there are no coverage gaps in your homeowner policy. We will also work with you and the insurance company to facilitate the claims process if you have a claim. Call us today to find the homeowners coverage that is right for you!

 

Condo Insurance

A condo or town-home owner has different needs than a traditional homeowner. Often times the bylaws of your homeowners association will determine what specific coverage you are responsible for to protect your home, its contents, and your personal liability. Condominium Insurance fills the gap between what your association may cover, and what you as a homeowner are responsible for. At Cullen & Associates we can sit down with you to determine what amount of coverage is necessary to cover your condo, your personal property, as well as any improvements you have made. Whether you are purchasing a new condo or would simply like to evaluate your current coverage, contact us today for an affordable quote.

 

Renters Insurance

Renters Insurance is a homeowners policy for those that do not own their place of residence. Renters insurance can apply to a home, a condo unit, and even more commonly an apartment. Renters insurance is very affordable coverage designed to protect your property and your personal liability. Your landlord's insurance will not cover your personal property in the event of a claim. Contact our office to discuss how renters insurance can protect your personal belongings.

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Personal Umbrella Insurance

 

A personal umbrella policy is designed to protect your personal liability if the liability limits within your home or auto policy are exhausted.  In today's day, liability issues are everywhere. A simple personal umbrella policy is an affordable way to protect you and your assets if you or members of your family are drawn into a lawsuit. The inherent liability limits of your home and personal auto policy provide for coverage for bodily injury and property damage. An umbrella policy extends the coverage that is available under these policies, but also broadens coverage for things not covered under regular liability allowances. Call today to visit with one of our agents about the importance of personal umbrella insurance.

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Recreational Vehicle Coverage

 

At Cullen & Associates our personal lines protection does not stop at homes and autos. We can also provide coverage for boats, motorcycles, motor homes, ATVs, and snowmobiles. An agent will visit with you about how to properly insure these items and how to protect your personal liability when operating and transporting them. We are committed to delivering the best possible coverage at a price you can afford.

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