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Ostrander Home Insurance

Did you know home insurance isn't just for home owners? It's security for people who have a home, whether that home is owned or rented, whether it's in a house, a condominium, or an apartment. In fact, many of our clients bought their first homeowner's policy while they were renters. These policies are designed to insure the personal property you keep in your home. Having a simple "renter" or "condo" policy is an inexpensive way to make sure your property is covered—anywhere in the world—should you experience a disaster. This could be burglary, fire, flood....

If your home is mortgaged, insuring your "free-standing" one- or two-family building is mandatory. This is because your lender wants to protect their investment (the building). Whether you insure your personal belongings is up to you. So is liability insurance.

If your house isn't a hundred years old, you should be able to get replacement-cost coverage on your house. If you house is more than a hundred years old, give a call to discuss possible restrictions.

Believe it or not, you usually get a lower premium if you agree to insure your house for it's agreed upon Replacement Cost Value.

Our agency has selected four different homeowner insure carriers. Using our "state-of-the-art" software we can quote all four simultaneously for you on our computer—this saves you time and money. Give us a call so we can "shop" your homeowners insurance premium and find the perfect coverage for you.

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