Bechtold Insurance Agency

Homeowners Insurance        

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:

• Having a burglar alarm
• Having a newer home
• Being claim free in the past
• Insuring your vehicles with the same company

Other advantages you could enjoy include:

• Repair Guarantees
• 24-Hour Claims Hotline
• Flexible billing including coordinating with your mortgage company
• Living expense if your home becomes uninhabitable due to a claim

Condo Insurance

Condo insurance will not only cover your contents, but it will cover the structure as well. Of course, all of this depends on how much coverage you purchase and whether you have any add-ons, known as endorsements, attached to your policy.

Condo insurance also covers you for liability should someone be injured on your property. It will also cover damage to some of your possessions that are not located at your home. This includes damaged luggage on a trip or property stolen from your car.

Renters Insurance

 Renters insurance is one of the most overlooked and inexpensive forms of insurance. Your landlord only is responsible for damage to the building or for damages that are a result of his/her negligence – not for protecting your belongings or defending you against liability.

Don’t think your belongings are worth enough to insure? Even the tiniest studio apartment can hold thousands of dollar’s worth of personal property.

Renters insurance protects you and your personal property in three very important ways:(1) Liability insurance provides coverage for all sums that you are legally obligated to pay as a result of a suit (2) Contents insurance protects your personal property against losses from a wide variety of potential perils, such as fire, theft, vandalism, plumbing-related water damage, electrical surge and more. (3)3. Additional living expense coverage provides you reasonable reimbursement for expenses above normal rent in the event your home or apartment is uninhabitable.