Represntative of PHP Agency
PHP Agency

The Brown Legacy Insurance Agency, LLC

Representative of PHP Agency  


Homeowners Insurance
A standard policy will include the following:

Dwelling Coverage
Dwelling coverage helps protect the physical structure of your home, like the walls, roof and any attached decks or garages. Another type of coverage is Other Structures protection for additional buildings on your property such as sheds or detached garages. 
Personal Property Coverage
Personal property coverage can help protect the items in your home, like your furniture. Your belongings are likely worth much more than you might think, and if they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Family Liability Coverage
Family liability protection can help if you or one of your family members is found legally responsible for another person's injuries or damage to someone else's property.
Guest Medical Protection
Guest medical coverage is included on most residential insurance policies and can help pay for medical bills of a guest that is accidentally injured on or around your property. Accidents happen, and guest medical insurance can help you be prepared.

Are you a landlord? Do you know about rental dwelling insurance?
Having the right rental dwelling insurance is very important in protecting your investment and your wallet. You need to make sure you have the right coverage to protect you from freezing pipes, kitchen fires, or tenant vandalism. We specialize in rental dwelling insurance so you can have the peace of mind from knowing that your rental dwelling is correctly insured. A lot of companies out there will try to sell you a DF1 basic form rental dwelling insurance policy. This type of risk only covers basic perils like fire, smoke, and wind damage. You should always get a DF3 special form rental dwelling insurance policy. This type of policy covers everything except flooding, earthquakes, war, and a nuclear accident.

More about dwelling rental insurance 
Owning and managing a rental dwelling can be hard work; but protecting it shouldn’t be. First make sure that you have an accurate replacement cost for your rental dwelling. You want to have enough coverage so that if the property burns down you can rebuild it. But you don’t to waste money and have an exuberant amount and be over insured. Make sure that your rental dwelling policy included coverage D, loss of rent, rental value, & additional living expense. Another coverage we always suggest is Personal Injury, Wrongful Eviction, and Privacy Invasion. Usually this coverage is only a few dollars more to add to your liability coverage on your rental dwelling policy and protects you from a lot of potential risk.