Lambert Riddle Schimmel & Company
  Since 1917, the kind of people you can depend on.
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 Home is an invention on which no one has yet improved. Ann Douglas









 A house is made of walls and beams; a home is built with love and dreams. Author Unknown
  Home Insurance Programs
  Front Steps in the Snow  For most people, home isn't just where the heart is; it's a significant investment and asset. Homeowners package insurance protects your home and its contents, and it may even provide safeguards you're unaware of such as coverage for your backyard gazebo, your stolen skis, or unauthorized use of your credit cards. Homeowners insurance also protects you if someone is injured on your property.

If your home is a condominium, you have slightly different needs. Typically, your condo association provides coverage for both the building and areas you share with other tenants such as the roof, stairs, or basement. Your specialized homeowners policy usually provides personal property and liability coverage, along with "from the walls in" coverage of your unit. It is important to know exactly what your condo association's master policy covers so that you can purchase appropriate individual coverage for your unit and its contents.

 Home Interior Picture  Personal Lines Manager Linda Hottle will be happy to customize a plan to meet your specific needs as a home or condo owner. Just contact her during business hours (Monday through Friday 8:30 a.m. to 5 p.m.) to receive a quote or to get answers to your questions. And don't forget to discuss flood insurance, which is not the same as water back up and requires a specialized policy.



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