Protect What's Important
AIRMI represents several carriers that can customize a policy to meet all your property needs. Homeowners insurance has several major components, including:
Dwelling – covers the structure itself
Other Structures – coverage to any additional structures on the property that are not attached to the dwelling (sheds, detached garage, pool)
Personal Property – coverage for all the belongings inside including: furniture, clothing, appliances etc.
Loss of Use – provides for living expenses should you need to reside somewhere other than your home during a repair/rebuild process due to a covered loss
Liability – coverage if someone is injured or their property is damaged due to your neglect.
Medical Expense – specific limit should a guest be injured on your property
AIRMI will walk you step by step through the process of getting a homeowner’s insurance policy for your home. We will discuss the home in detail to calculate an appropriate ‘reconstruction’ value. Next, we evaluate the county data such as year built, foundation type, number of stories etc., then gather more specifics such as types of finishes within the home, like types of flooring and countertops. These are all factors that the insurance carriers use in calculating the reconstruction/dwelling coverage.