HOME & PROPERTY INSURANCE

AT THE MIKE ARNOLD AGENCY, OUR AGENTS UNDERSTAND THAT A HOME IS ONE OF THE BIGGEST INVESTMENTS YOU CAN MAKE AND ALL THAT INVESTMENT REPRESENTS.

Often, the exact location of a home can help you identify the coverage you need. Some areas are more prone to flooding, others to fire and wind damage. This is where the local knowledge and expertise that the Mike Arnold Insurance Agency has to offer can be your biggest asset.

​

Our agents understand that life has unexpected occurrences. From smaller claims to major structural damage, you can be confident you’re getting claims service you can rely on. Whether you live in a house, apartment or condo, we offer protection that fits your needs.

• Dwelling Coverage: With available Replacement Cost, your home will be repaired or rebuilt with like kind and quality materials after a covered loss, less your deductible. Dwelling coverage can also be determined on an Actual Cash Value. This provides the policyholder with a depreciated value settlement option. The majority of our clients choose this Replacement Cost coverage for their dwelling. Actual Cash Value is still used by a small percentage homeowners as well.

• Personal Property Coverage: Personal property can most aptly be described as your belongings of personal items in your home. After a covered loss, your claim agent will work with you to replace what has been lost quickly and with as little interruption as possible. One of the most important things you can do to help your claim agent is to provide them with an inventory of your losses. We advise that all clients perform an annual inventory of personal possessions.

• Liability Protection: We have a varying amount of coverage available to cover liability as a result of owning a home. This coverage provides protection for a variety of incidents that can occur, including injury to visitors at your home, dog bites, trips and falls, etc.

• Available Options: We have a variety of endorsements that can be used to tailor the coverage to your wants and needs. These include endorsements such as: identity theft, ordinance and law, water/sewer backup, incidental farming, personal injury, better roof replacement, replacement cost plus on the dwelling, and earthquake coverage. These endorsements can be discussed in detail with one of our agents and added to your policy, if desired.