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Homeowners Insurance

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Consider the facts: Your home is your biggest investment, maybe the biggest part of your net worth. One accident or natural disaster could result in devastating financial, not to mention, personal losses. That’s why you need a homeowners policy that provides the highest level of protection possible, at a price that fits your budget.

Many factors determine the cost of homeowners insurance, including:

the age of a home and the method of construction;
its location;
its protective devices, including storm shutters, alarm systems, smoke detectors, etc.; and
an owner’s claims history.

The Risk Management professionals at Setnor Byer will assist you in obtaining comprehensive homeowners coverage from the most financially stable insurers in the market, including such top carriers as The Harford, Travelers, Safeco, Progressive, Chubb, Mercury, Metropolitan, AIG, GeoVera Specialty, ASI, Security First, Tower Hill, and more.

But Setnor Byer does much more than just sell you a policy. For each of our clients, Setnor Byer promises to:

Review your current policy to identify areas of potential savings and make sure that all of your risks are fully covered;
Inform you of all available discounts that can lower the cost of insurance without sacrificing your level of protection; and
Arrange a convenient payment plan that fits your budget.

In addition to the standard coverages included in most homeowners policies, such as Dwelling, Personal Property, Liability, Medical Payments, and Loss of Use, Setnor Byer can obtain other optional coverages tailored to your specific needs.