Homeowners Insurance Quotes that Make Sense
Best of Both: Online Convenience and Work with a Dedicated Principal Advisor
Watch the video below to quickly learn what sets Notable Risk so far apart
Schedule Intro Call
Build Home Policy
Some of the leading insurance companies and networks Notable Risk works with!
Home insurance coverage designed by a specialist insurance agency with 20+ years of risk management expertise to leverage. The end results matter.
Notable Risk is an insurance agency that has access to 25+ leading insurance carriers, including coveted companies focused on valuable primary and seasonal homes. Busy clients sit back and rely on Notable Risk to access the market, through its networks, to find dependable homeowners insurance quotes, create value and remove surprises.
Coverage that is missing or structured incorrectly may leave massive gaps, whether it’s related to recovering from severe water damage or even personal-liability protection that a home policy was expected to provide. This happens too often.
It shouldn’t be this way, but a whole lot can go wrong when you build coverage. Things are reversed here. Clients can count on Notable Risk’s ability to leverage a recognized 20+ year background in risk management expertise to design the right primary or secondary home insurance solution for their family’s needs, including: Single-Family Houses, Townhouses, Condominiums, Landlord Insurance for Rental Homes and more.
Start a partnership and click the button above to schedule an online meeting or call 888-897-4815.
Home insurance coverage designed by a specialist insurance agency with 20+ years of risk management expertise to leverage. The end results matter.
Notable Risk is an insurance agency that has access to 25+ leading insurance carriers, including coveted companies focused on valuable primary and seasonal homes. Busy clients sit back and rely on Notable Risk to access the market, through its networks, to find dependable homeowners insurance quotes, create value and remove surprises.
Coverage that is missing or structured incorrectly may leave massive gaps, whether it’s related to recovering from severe water damage or even personal-liability protection that a home policy was expected to provide. This happens too often.
It shouldn’t be this way, but a whole lot can go wrong when you build coverage. Things are reversed here. Clients can count on Notable Risk’s ability to leverage a recognized 20+ year background in risk management expertise to design the right primary or secondary home insurance solution for their family’s needs, including: Single-Family Houses, Townhouses, Condominiums, Landlord Insurance for Rental Homes and more.
Start a partnership and click the button above to schedule an online meeting or call 888-897-4815.
Watch now! Trust Matters (a bunch).
For families that need significant coverage and benefit from exceptional services
Notable Risk invests in clients and designs highly-personalized homeowner’s insurance coverage with top insurance carriers. This is possible because the number of clients in the private-client group is limited in order to support comprehensive programs and concierge service. The goal is to be exceptional.
Clients who Fail to Get a Timely Reply
Days per Week to Reach a Dedicated Personal Advisor
Percent of Private Clients with Direct Access to a Dedicated Principal Advisor
Clicks in Secure Client Portal to Get Policies, I.D. Cards and other Self-Service Tasks
The Smart and Simple Private-Client Quote Process
Learn About Specific Client Needs
Click to either (a) Schedule an Introductory Call or (b) Build Coverage by completing a digital risk assessment tool.
Clients can call their dedicated advisor for help, including on the weekend. One of the many benefits of Private-Client services!
Analyze Exposures and Build Coverage
After completing the assessment, we send you a personalized online application builder for each coverage type selected and then we curate your homeowners insurance options. We eliminate the back-and-forth!
Deliver Video Quote Proposal Program
We present a personalized Quote Program for review in a secure Customer Portal. The highlight: each Program contains a video tour that walks through home-insurance quotes, with explanations from a principal advisor! Private clients watch at their convenience and schedule a priority meeting for help.
Bind Insurance and Provide Value-Add
Coverage is bound with the home insurance company of choice and clients gain 24-7 Customer Portal access to many complimentary value-added services. Most important, dedicated advisor communications continue, it’s not a once-a-year thing.
Simplify Complex Homeowner’s Insurance Needs and become a Private Client
Call 888-897-4815 to schedule an intro call with a principal advisor to learn how this may be an opportunity not to miss!
Clients can count on Notable Risk’s ability to leverage a recognized 20+ year background in risk management expertise to deliver top results.
Schedule Intro Call
Build Insurance
Access to Many Top Carriers to Build More Coverage Options that Really Matter
Coverage options are individually picked to meet the needs of each client
Extended Replacement Cost
Now, more than ever, it’s important to include safeguards in the event rebuilding costs, due to inflation etc., exceed the dwelling policy limit.
Loss of Use Coverage that Matches your Lifestyle
In the event of loss requiring a family to relocate, alternative living expense coverage provides the peace of mind to know that a similar lifestyle is maintained.
Cash Settlement Option
Building permit and supply chain issues create big rebuilding delays but a cash settlement option can allow families to move on with their lives.
Protection from Changing Ordinances
Building codes continue to evolve and protection is needed to cover added rebuilding expenses to meet new requirements.
Greater Water Damage Coverage
Standard coverage typically won’t cover high probability losses from water and sewer backup caused by a drain, sump pump, etc.
No Depreciation Deductions for Personal Property
Losses are reimbursed with amounts necessary to replace new at the current price, without deductions for depreciation.
Homeowners Insurance FAQ (stuff explained simply)
Our current primary home will likely take many months to sell but we have decided to move into our newly built home and not wait to sell the initial home, which may take many months to find a buyer. Do I need to update my home insurance on the first home when we move into the new home?
Yes, you have a homeowners policy on your current home. Once you move, you will need to change it to a dwelling policy which is designed for unoccupied or vacant homes as the risks increase with no one living there.
If I obtain “guaranteed replacement” cost coverage for my dwelling and the contents in my home, does that truly mean that the full (or agreed) value will be insured or is there a catch?
There’s no catch. As for your home, guaranteed replacement refers to the cost to replace or repair your home even if the cost exceeds the coverage limit for the dwelling. Your contents will be replaced at whatever cost an item of like kind and quality is.
I’m installing a new barn and gazebo. Do I need to update my homeowner’s policy?
It depends. The coverage for other structures is a percentage of your dwelling amount, and it can be a higher percentage on a high-value home policy than on a standard policy. Just be sure that the coverage amount for other structures on your policy isn’t less than the combined cost of all structures on your property other than your home.
I have a catering company that is going to serve food at my next backyard social event. Do I need to obtain extra insurance, or should this be obtained through an additional insurance certificate from the caterer?
The liability portion of your policy will cover accidents that occur on your premises. An umbrella policy or event insurance will offer even greater protection. That said, the catering contract should be reviewed carefully for any insurance-coverage gaps and you need to require that the company provide you with a certificate of insurance naming you as an additional insured before any activites (even preparation) occur.
What is water and sewer backup coverage?
This type of coverage provides financial protection in the event of damage caused by water or sewage backing up into your home. Water and sewer backups can occur due to various reasons such as heavy rainfall, blockages in pipes, or system malfunctions. When these backups happen, they can cause significant damage to your property, including structural damage and destruction of personal belongings.
Having water and sewer backup coverage ensures that you are financially protected from the expenses associated with cleaning up after a backup incident. It typically covers costs related to repairing damaged pipes or plumbing systems, removing contaminated materials, sanitizing affected areas, and replacing any destroyed items.
It’s important to note that standard homeowners insurance policies usually do not include water and sewer backup coverage by default.
I live in a luxury home. What is loss of use coverage under my homeowner’s insurance policy, and does it really provide extra needed benefits through a high-value insurance carrier?
Loss of use coverage pays for the increased expenses for you to reside in temporary housing until your home can be repaired. It pays for extra expenses for eating out, laundry, lengthier commutes, and more. The benefit of a high-value policy is the limits are higher than for a standard policy.
I have very extensive landscaping, including expensive fencing and stone walls. What should I be looking for in my policy to know if I have appropriate coverage for both?
Fencing and stone walls are covered under your other structures coverage so check the limit to be sure the limit is sufficient to replace them. As for landscaping, your policy covers plants, trees, and shrubs for certain perils up to a certain limit. The benefit of a high-value home policy is the limits are higher and you may be able to add additional coverage for plants, trees, and shrubs.
What are the key updates that home insurance companies are typically look for?
There are various factors that carriers will analyze depending on the age and location of the dwelling. However, there are four typical updates: the date of partial or full replacement to the (1) roof, (2) electrical wiring, (3) plumbing and (4) HVAC.
Why is the cash-out option potentially important?
In the event of an unfortunate total loss of your home, it may take a considerable amount of time and effort to rebuild in your current home location. The application for permits alone may result in signficant rebuilding delays. Many high-value insurance carriers offer what is commonly referred to as a cash-out option, which allows you to take a lump-sum payment in lieu of rebuilidng. You can then build or buy in another location that will be more appropriate for you and your family in the event of an unfortunate loss of your home.
What is a wind and hail deductible?
When it comes to wind and hail damage, some insurance policies have specific deductibles for these types of perils. Wind and hail deductibles function differently from standard deductibles. Instead of being a fixed dollar amount, they are often expressed as a percentage based on the insured value of the property or dwelling.
For example, if your home is insured for $2,000,000 and you have a 2% wind/hail deductible, you would be responsible for covering $40,000 (2% x $2,000,000) worth of damages before your insurance company starts providing coverage.
It’s important to note that wind and hail deductibles usually apply separately from other types of claims like fire or theft. So even if you have already met your regular deductible due to another claim earlier in the year, you may still need to satisfy your separate wind/hail deductible when filing a claim specifically related to those perils.
These specialized deductibles exist because certain areas are more prone to severe weather conditions such as strong winds or damaging hailstorms. Insurance companies use these higher deductibles as a way to manage risk in regions where these perils occur frequently.