Homeowners Insurance

Whether you own a house or condo, or rent an apartment, you need to protect your home and possessions against potential losses and costly lawsuits.

Dunlap-DuPont & O’Donnell insurance agents are trained personal insurance experts and know the best ways to guarantee all your assets are protected against loss or liability. We will insure your home at 100% replacement cost, not at the market value, which enables us to fully repair or replace your home and possessions in the event the unthinkable happens.
Our Process is simple

Your agent will ask you a number of questions to help us determine where your greatest risks, goals and assets. We will then sit down and build a comprehensive insurance package that best covers your needs, while fitting within your budget.

Simultaneously, we will search for any additional cost savings you can obtain by making improvements to your home, such as installing deadbolt locks or updating your current electrical box. These types of details can end up saving you hundreds of dollars over several months and years.
Potential Discounts include:

Combination dead bolts, fire extinguishers, local fire alarms and smoke detectors
Central station (burglary and/or fire)
Auto and home insurance under the same policy
Loyalty discount
Prior home coverage
Loss-free discounts
Carrying a higher deductible

Additional Endorsements

There are several insurance endorsements to consider, depending on where you live, that your current homeowners insurance policies may not include. Be sure to speak with your insurance agent about the following:

Replacement cost on dwelling & contents
Home business
Earthquake
Backup sewer & drain
Identity theft (see below)
Scheduled personal property or inland marine
Equipment breakdown
Builder’s risk
Computer coverage

Insurance Tip: Did you know that most insurance carriers will offer you a discount if you carry multiple coverages with them?