Homeowners Insurance

Protect your home and everything in it

JFA Insurance Brokerage & Associates, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

At JFA Insurance Brokerage & Associates, Inc., we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

Our Home Insurance coverage options include

Property Insurance

Homeowners Liability

FLOOD Insurance

Condo Insurance

Renters Insurance

Landlords Insurance

Mobile Home Insurance

Scheduled Property Insurance

In-Home Business Insurance

Why Homeowners insurance?

JFA_homeowners-insurance

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at JFA Insurance Brokerage & Associates, Inc. about specific coverage options that are applicable to your individual needs.

Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from JFA Insurance Brokerage & Associates, Inc..

learn more about coverage options

As a home or condo owner, you may think your homeowners insurance has you covered from most natural disasters; unfortunately, it doesn’t. The majority of people living in the U.S. don’t live in areas where flood damage is likely to occur. However, if flood-related damage is a risk for you, get insured. It’s better to be safe than sorry.

At JFA Insurance Brokerage & Associates, Inc. Insurance Agency, we know you’ve invested a lot of time and money in your personal property and keepsakes. A flood insurance policy will cover the cost of replacing your valuables from any flood-related damage.

Flood insurance is available through the federal government’s National Flood Insurance Program, however, it’s a better bet to purchase a flood insurance policy from the same agent or company who provides you with your home insurance. Here’s why: your agent or current insurance company can provide much higher limits of coverage than the NFIP, especially if your loss proves to be catastrophic. There is usually a 30-day waiting period before this type of insurance becomes valid.

Representatives from JFA Insurance Brokerage & Associates, Inc. Insurance Agency are committed to working with you to design a policy that ensures that you get the options you want at a price you can afford.

Strength & Stability for your Home

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at JFA Insurance Brokerage & Associates, Inc., we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

 

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from JFA Insurance Brokerage & Associates, Inc. who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with JFA Insurance Brokerage & Associates, Inc. before making a decision.

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from JFA Insurance Brokerage & Associates, Inc., you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

  • Claims for property damage
  • Claims for injury to others (either on or off the premises)
  • Liability defense costs
  • Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from JFA Insurance Brokerage & Associates, Inc. to determine the right amount of coverage to keep you protected today.

Belongings Hold Memories. Make Sure They're Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At JFA Insurance Brokerage & Associates, Inc., we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones. 

Additional Insurance Options

Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from JFA Insurance Brokerage & Associates, Inc. are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.

With Condo Insurance from JFA Insurance Brokerage & Associates, Inc., you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.

A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.

Contact a specialist at JFA Insurance Brokerage & Associates, Inc. today to determine the right amount of coverage you need to keep your condo insured.

Specialized Security for Your Home and Property.

At JFA Insurance Brokerage & Associates, Inc., we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.

Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:

  • Personal Property Protection to pay for loss or damage to most of your personal items
  • Family Liability Protection to provide legal representation against injury or property damage claims
  • Guest Medical Protection to help cover the medical expenses for visitors injured in your home
  • Home & Structure Protection to compensate you for building repairs after a covered accident
  • Additional Living Expenses to reimburse you for temporary housing during reconstruction

Additional Benefits for your Mobile Home.

We know how special your mobile or manufactured home is to you, and we’re proud to offer an exceptional insurance policy that’s designed to meet your budget. You may also qualify for extra savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.

Talk with an insurance specialist at JFA Insurance Brokerage & Associates, Inc. to learn how you can save with Mobile Home Insurance.

At JFA Insurance Brokerage & Associates, Inc., we know that your personal belongings are an extension of you, and oftentimes, the things you hold onto the most are the items in which you’ve invested much time and money. The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.

Should you decide to add the premium protection of SPP Insurance, one of the specialists at JFA Insurance Brokerage & Associates, Inc. will work with you to determine the replacement cost of each item you would want to have insured.

The items you own are unique, which is why at JFA Insurance Brokerage & Associates, Inc., we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.

A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from JFA Insurance Brokerage & Associates, Inc., you’ll receive a complete degree of protection to keep yourself and your rental property insured.

The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

  • Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
  • Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
  • Legal counsel and fees in the event of a related lawsuit
  • Additional expenses to make up for lost income if your property needs repaired through loss of use

Because of the variety of options available, an insurance specialist at JFA Insurance Brokerage & Associates, Inc. is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.

Home-based businesses, both big and small, have become one of the fastest growing commercial segments in America. As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. At JFA Insurance Brokerage & Associates, Inc., we want to help you protect the security of your business with proper coverage, because the insurance required most likely goes beyond that of your standard Homeowners policy.

We know that you’ve invested hard work and countless hours into building up your In-Home Business, and because of that, JFA Insurance Brokerage & Associates, Inc. wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.

An In-Home Business policy from JFA Insurance Brokerage & Associates, Inc. can cover:

  • Professional Liability
  • Personal property used for business operations
  • Loss of income due to a covered event
  • Loss or damage to business records and inventory

Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.

Talk to a representative at JFA Insurance Brokerage & Associates, Inc. today to create the perfect plan to address all of your business needs.

get your free quote TODAY!

INDUSTRY NEWS

BH GUARD Wins Five-Star Excellence in Worker’s Comp Award

By Guard Insurance Companies | February 12, 2021

Insurance Business America (IBA) Magazine recently awarded Berkshire Hathaway GUARD Insurance Companies its Five-Star Excellence Award in Worker’s Compensation. To select award recipients, IBA enlisted the expertise of the industry’s top experts. Throughout a 15-week process, IBA conducted one-on-one interviews with specialist brokers and surveyed thousands more to gain a keen understanding of what insurance…

Read More

What is Commercial Insurance?

By Hartford Insurance | January 15, 2021

Commercial insurance helps protect your company, employees and leadership from unexpected losses. As a property and casualty insurance company with more than 200 years of experience, we’ve helped protect businesses of all sizes. From small businesses to large corporations, our commercial insurance policies can help protect you and your employees from different risks. Don’t just take…

Read More

Nationwide Loss Control Services

By Nationwide Insurance | August 26, 2020

Business safety and loss control are necessary components of a complete business plan. That’s why risk assessment, planning, prevention and workplace safety products benefit your business. Remember, a safety-first attitude is good for everyone, from business owners to employees to customers. Our Loss Control Services team has safety and risk management professionals across the country…

Read More