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A. Christina Breen-Hale - State Farm Insurance     Official Sponsor
Our mission is to help our clients realize their dreams by managing risks, recover from the unexpected, and plan for the future.



Why You Need Insurance


There are two major reasons to buy homeowners insurance:

To Protect Your Assets
Homeowners insurance covers the structure of your home and your personal property. Homeowners insurance protects you if you are legally responsible for damage to another person’s property or for injuries to another person.

To Satisfy Your Mortgage Lender
Most mortgage lenders require you to have insurance as long as you have a mortgage and to list them as the mortgagee on the policy. If you let your insurance lapse, your mortgage lender will likely obtain its own insurance. You may be required to pay for this insurance until you get your own homeowners policy again, and the cost could be added to your loan. Such coverage is often quite costly, generally is limited to damage to the structure of your home, and protects only the lender.