Most companies offer between 12% - 20% discount on BOTH policies. The savings can be significant. We have seen instances where the discount generated from the auto policy is greater than the home/renters/condo policy premiums – making the home policy a “free” policy!

Just contact an Independent agent. We represent many different insurance markets and are familiar with policies available from a larger number of companies than captured agents who only represent a single insurer.

An independent agent can customize a Home Owners Policy for you. We do the comparing for you and then can explain the differences and make recommendations.

Yes & no. It depends on the company. Some company’s will charge while other will not. The main concern is that the pool access is restricted. A gate around the yard or a gate around the pool. Can the pool be seen from the street to where a child may be "lured" into the yard by the looks of an inviting pool? Pools are a big liability concern.

You may want to be aware that you can be sued if someone drowns in the pool even if they do not have your permission to be there. Diving boards are another major concern and some companies will not insure the home.