The town-home has a higher level of need for additional liability insurance.  The close proximity of the neighbors mandates that the insured positions him/herself to be a “good neighbor”.  Example: You the insured live in a town-home.  You accidentally burn your home down.  No problem, the insurance policy on the home is there to protect you… BUT… the fire damages the home next door too.  It was not your Neighbor’s fault that the fire occurred.  The result: the insurance company and the neighbor will sue YOU for your negligence.  The Liability coverage is there to provide coverage just for these types of issues.

Many policies have inherent liability coverage of $100,000.00.  That amount of coverage is in most cases way to small to cover the property, building, and other costs associated with a major claim.  Having $300,000 of liability coverage traditionally adds less than $20.00 more per YEAR to your policy and provides Great additional coverage.  $500,000.00 of liability coverage is traditionally $50.00 more than the inherent liability coverage price.  The coverage is low cost and helps you be a good neighbor by providing protection to others when you cause them loss.

There are other nuances to the liability coverage.  This is a good start.  Let’s discuss more later.

Matt Locke

We have a Sales and Service Team that is ready to meet your need.

 In 2004, Paul’s tenant burned his home.  The claim process was long, time consuming, and not one time did his insurance agent call to help him through the process.  In 2005, Paul started his own agency in a effort to provide a higher level of service to his customers.

Our staff is ever attentive to the customer’s needs and is poised to aide our customers and others when the need arises.  Serving past the sale is not just a saying.  Serving past the sale is a reality of our Home Insurance service.

Paul’s eight years working for a Global Tech Company has ingrained a project management approach to our office’s management style.  As a customer, you can expect a step-by-step process through many of the daily routines.  

We look forward to the opportunity to review your insurance goals.  Our staff will listen closely, review, and provide a home insurance solution that meets and exceeds your expectation.

Thank you again for your consideration.

Sincerely,

Paul Matthew Locke

1-877-MattLocke or 678-682-9700

Paul@MattLockeAgency.com