Property Insurance

Stuber Insurance Agency works with you to find the best insurance carrier for your individual property needs.

Property: Covers your structures and possessions.
Liability: Covers you if you are legally obligated to pay money to another person for actions caused by you, your family, or your property. Liability also extends to medical payments to others for injuries caused by you or your family.
Additional Coverage that can be purchased to supplement your insurance:
Flood Insurance, Umbrella Insurance, Valuables/Jewelry coverage. These are NOT included in a basic homeowners insurance policy. We are here to help you determine what supplements are best for you!

The cost to rebuild a home not only includes material and equipment costs, but also labor.
Insuring your building to market or purchase price may not be enough to cover the expenses to rebuild your home, remove destroyed parts of your home, and preserve parts of your home that remain and/or discard debris.
Reconstruction cost is not influenced by the selling price of a home, cost of land, desirability of location or number of homes for sale in an area.
Many of the economic factors impacting common goods (i.e., gas prices, supply and demand, medical benefits, etc.) also play a role in construction costs. Over the years these costs have steadily increased.