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At BTS Insurance, we realize that your home may be one of the biggest investments you ever make.  In light of this, it is our priority to ensure we help you protect your assets with a comprehensive homeowners policy.  Many homes have custom and unique features, so it is important to have a policy that is tailored to fit your needs. Please be sure to contact us any time you may want to make changes or renovations to your home in order to avoid not having adequate insurance.  Following are some of the specialized coverages offered by many of our carriers comprehensive policies:

  • Replace, Rebuild or Receive a Cash Settlement. If a fire or other event destroyed your home, you may wish to rebuild it, or you may not. Most of our carriers can provide you  the option to rebuild or receive a cash settlement.

  • Guaranteed Replacement Cost. We know that estimating the cost to rebuild your home isn’t an exact science. If your policy includes Guaranteed Replacement Cost, this will  provide a peace of mind in knowing that your home can be rebuilt in like kind and quality, even when the actual cost to do so exceeds your coverage limits.

Examples of the homes we insure:

  • High-Value Homes
  • Brownstones
  • Historic Homes
  • Seasonal / Secondary Homes
  • Condominiums / Co-Ops
  • Renters