If your buying a home in Palm City, Stuart, Hobe Sound, Tradition or anywhere on the Treasure Coast.  Finding the best Homeowner Insurance doesn't have to be hard.  Your homeowners insurance covers more than your home it provides coverage for your family's lifestyle you've worked hard to achieve. 

Butcher Insurance Group uses a personalized customized insurance process to tailor-make a home insurance policy for you and what you value.  As an independent agency working for our customers not the insurance companies, we can advise you on the policy that is right for you.  If you're like most Treasure Coast homeowners, your home is your most valuable asset, and your insurance should provide protection for your home and family.  When your home is damaged or destroyed, you and your family needs your claim settled by an insurance company that understands the importance of the place you call home.

For over 17 years, Butcher Insurance has be helping families throughout the Treasure Coast, find homeowners insurance that will best meet their personal needs and provide the most valuable combination of tailored coverage , quality service and competitive pricing.
If you would like us to review your current policy to make sure you have coverage you want and are getting all the discount you deserve, please give a call Butcher Insurance Group (772)463-7622.

We'll make it as easy as possible, we love helping Treasure Coast families!

Hurricane season started June 1st.

Now is the time to make sure your home and home insurance will provide the protection needed.
If you are like most people on the Treasure Coast, your home is the most valuable asset you own. The first thing to do is locate your current insurance declaration page.  Now is a good time to review your coverage to make sure you are insured properly, if you would like a free professional review give Butcher Insurance Group a call 772-463-7622 we will be happy to help make sure you have the proper coverage. 

 
When searching for home insurance on the Treasure Coast, people typically focus on what happens to the home itself in the event of a claim. While it is incredibly important to understand dwelling coverage, replacing your stuff quickly becomes important in the event of a major claim!
What personal property is on your policy and how it works!
What happens when you have a major claim on your Florida Home Insurance that is a result of a total loss? The major home insurance companies will generally cut you an immediate check to cover immediate needs like a hotel stay, toothpaste, and clothes if needed. It sounds somewhat crazy, but in the immediacy of a disaster, just having the right kind of toothpaste can bring a sense of comfort. Then the long process of reassembly begins.
While rebuilding a house is a long process that involves many choices, buying enough clothes to survive many days without doing laundry is important in the near term. It's also important to begin arming the kitchen with things like ketchup and bacon. This is where Personal Property coverage comes into play. The easiest way to think of what all is included in Personal Property on a homeowners’ insurance policy is to cut the roof off a home and turn it upside down. Anything that would fall out as you shake the house is going to fall under that coverage. Kitchen appliances that are not secured to a wall or cabinet, furniture, clothes, electronics, and pantry items all fall into this designation.
So now that we've determined what is covered by personal property on a home insurance policy, what happens to it in a claim? There are two ways to settle personal property on a claim.
They are actual cash value or replacement cost.
Let's, take a look, how each works for you.
 
Actual Cash Value

1. If your home insurance policy is set up to cover your personal property on an actual cash value basis, the claims process will be somewhat simple from a process stand point. You will submit a simple inventory of items lost in the event along with an age and they will simply cut you a check for the depreciated value.
2. What is a depreciated value you ask? Well that is how much an item is worth based on its age and original value. Think about that cell phone you rocked just two years ago. Can you even sell it on E-Bay? If so, it's likely not worth much more than $25 today. So that phone that originally cost you $750 has a cash value today of $25. See where this is headed?
3. This is always the cheaper of the two options as the claim’s payout is depreciated to the remaining value of the items involved.
4. This always something to ask about with your current policy or a new quote.

 
Replacement Cost Value

1. The alternative to actual cash value is replacement cost value. That means that your stuff will be able to be replaced rather than receiving the depreciated value only. To you, that means the man cave with the 4K TV can be replaced.
2. How does it work when you need to make a claim? You will need to make a list of the items in your home to be replaced. At that point, you will be given a check for the depreciated amount of those items. But wait, you said I could get it replaced? At that point, as you go and purchase the new items keep the receipts. When you then submit them to the insurance company you will be reimbursed for the remaining amount.
3. This is the type of coverage that we recommend for our customers. This will make sure that you can re-establish your home in a proper fashion. It will cost a bit more, but in the end, you will understand if you are in a claim situation.

 
So, which one do I need on my policy?
That's a great question. The reality is that we ALWAYS recommend that you carry replacement cost coverage on your policy. We do so because it enables you to reassemble your life in the best way possible if the proverbial stuff hits the fan at some point. In helping real people with real claims, we found that getting a check for a third or half of the cost of refurnishing your home just isn't cool. And for that reason, it really is a simple equation for us to solve. If you aren't sure what you have today, feel free to give us call for a policy review. We will make sure you understand what you do and don't have with a policy.