Phone: (802) 592-3234 EmailAddress: 185 Church St., Peacham, VT 05862
Phone: (802) 479-3388EmailAddress: 99 Washington St. Suite 1 Barre, VT 05641

Protect your investment with Home Insurance

Prepare yourself for the unexpected with home insurance to help pay for repairs, replacement costs, and extra living expenses in the event that something happens to your home or personal belongings. A homeowners policy covers the cost to repair or rebuild your home in the event that it’s damaged or destroyed by the perils listed in your policy. You pay the deductible; the insurance company takes care of the rest, up to the amount of protection purchased. Insurance policies do not cover loss due to damage caused by a flood, earthquakes, or routine wear and tear. Flood Insurance can be purchased separately to protect your home and personal belongings.
When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home. Most standard homeowners insurance policies include:
The Structure of Your Home
Loss or Damage to Your Personal Belongings
Liability Protection
Coverage for Living Expenses if You are Temporarily Unable to Live in Your Home Due to a Covered Loss

Flood Insurance

A typical homeowners insurance policy does not cover damage due to flooding. The damage inflicted on homeowners caused by Tropical Storm Irene in 2011 caused many property owners to reevaluate their need for flood insurance. Many property owners were unprepared for the devastation caused by rising waters, blocked storm drains, and storm surges. Don’t be left unprotected; the agents at the Berwick Agency and Isham-Berwick Agency are pleased to work with you to review your property and evaluate a flood insurance policy that provides additional protection from flooding, as it is not included in your homeowners policy.
Standard Flood Insurance Policies
If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties around you. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.
Private Flood Insurance Policies
If your home or business is in a low or moderate-risk zone, you are eligible for a private carrier flood policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In reality, many flood insurance claims occur in low-to-moderate risk areas.

Umbrella

You never think its going to happen to you. A simple car accident, a fall at your home, your dog bites someone, and suddenly you and your family are faced with a financially devastating situation. Avoiding that kind of unnecessary position is what an umbrella policy can do for you. It’s called an umbrella policy because it provides liability coverage beyond your regular home and auto insurance. It works alongside your other policies so when those insurance limits are reached the umbrella coverage the kicks in. An umbrella policy is not a substitute for a standard insurance policy but serves to extend liability proportion for your personal assets against catastrophic judgements or jury awards. For all the financial security and peace of mind you get, umbrella policies are surprisingly affordable. Based on your family’s financial situation and your goals, we can help you choose what is best for you.