Homeowners Insurance

The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection You Need For

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special features you can choose for additional security

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Form

Contact us today for more information about Homeowners Insurance.

Click here for Frequently Asked Questions about Homeowners Insurance.

NEWS: Let’s Get Ready to Bundle!

Progressive Home Advantage is one of many opportunities RTI offers for bundling multiple policies to help you save money.

As a full-service insurance agency, RTI can offer you the best coverage to suit your individual needs for home insurance, auto insurance, life and health insurance, flood insurance, coverage for your business, and much more.

RTI is proud to have been chosen as one of a select few agencies to offer Progressive Home Advantage. The program is available to any who qualify for an ASI (American Strategic Insurance) homeowners policy (even if you do not already have one). Bundling through this program offers great discounts for those with ASI home insurance and Progressive auto insurance.

In addition, RTI offers a multitude of bundling opportunities when you take advantage of our wide range of insurance products. Centralizing all of your insurance with our agency provides you with one stop shopping.  One number to call to manage your policies. One representative to do the shopping for you and to get you the best price and coverage to suit all your needs.

Call us today for an insurance check-up and to learn what bundling opportunities are available to you!

NEWS: Do You Have Enough Coverage to Rebuild Your Home?

Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance.

Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to rebuild after a total loss. This is called “insurance to value.” Below are some explanations and tips to help you make the right choices for your needs — and remember, if you need help, we’re just a phone call away!

What is insurance to value?

Insurance to value is the relationship between the amount of coverage selected (typically listed as “Coverage A” or “Dwelling Coverage” on your policy declarations page) and the amount required to rebuild your home.  Insuring your home for anything less than 100% insurance to value could mean you wouldn’t have enough coverage to replace your home in the event of a total loss.

Why is the cost to rebuild different from the market value?

A home’s market value reflects current economic conditions, taxes, school districts, the value of the land and location, and other factors unrelated to construction cost.  The cost to rebuild your home is based only on the cost of materials and labor in your area.  It is important that you insure your home based on its reconstruction cost, NOT its current market value.

Why is reconstruction more expensive than new construction?

New-home builders typically build many homes at once, and solicit bids from various sub-contractors to receive the best pricing. Their business model is based on economies of scale. For example, they may purchase 20 bathtubs at once, securing a lower unit cost. These economies of scale don’t exist when building a single home.

How can I make sure I have the correct amount of insurance?

Work with your agent to provide detailed information at time of purchase to be sure that you receive a thorough and accurate quote.

Ask us about additional coverage options that may be available.

Review your insurance to value calculation on a regular basis with your agent.

Tell your agent about any changes or improvements that you make to your home.