Be prepared.

Having insurance helps you weather the storm should it ever happen. You can count on us to provide you with the coverage and the service you need.

Let us work for you.

At Bill Hartley Insurance we work with you to protect your assets and your lifestyle. Our comprehensive home, contents and liability policies provide a great safety net for you and your family.

As your Insurance Broker we deal with a variety of well-established, financially secure insurance companies; we know their products well and do the shopping for you. We select the best possible policy to suit your needs, at the best price. We are working for you!

We have a special offer for you.

Our long-term relationship and good record with our insurance companies has given us a privilege not many brokers have: that of developing our own unique home insurance policy. This special “Bill Hartley Insurance Services Program” cannot be found anywhere else. We have assembled a package that has excellent coverage and is very competitive in price. Our policy stands out in the crowd and our friendly service will make you feel right at home. Contact us for more details and competent advice.

Give us a call, email us or drop by to inquire!

We’ll make sure you’re covered!

House - Mobile Homes - Tenants – Condominium- Rental buildings
Home based business

Frequently Asked Questions.

• Why buy house insurance?
• How does it work?
• What is a comprehensive policy?
• What is a broad form policy?

Why buy house insurance?

Buying your home is one of the biggest financial investments you’ll ever make. You have likely invested a lot of time, money and energy into making it your own The last thing we want to think about is theft or fire, but if something happened, what would you do?If someone were to slip and fall on your walkway, you could be responsible for that person’s injury. Home insurance protects your property, your belongings and your lifestyle. It can also provide liability coverage in case someone is accidentally injured while visiting your home. If you have insurance, and depending upon the terms of coverage, your insurance company would pay for these expenses – not you.

How does it work?

House insurance is usually sold as a “package” policy. You are the “Insured” and you pay a monthly or annual premium to the “Insurer” for taking the responsibility of paying for the cost of repair to or replacement of the asset that you have insured, should something happen that is covered by your policy.

There are several types of insurance polices you can purchase. Please remember that the wording and what is covered may vary within these general categories from one insurance company to another. The two most common policies are comprehensive and broad form policies.

What is a comprehensive policy?

This is the most inclusive home insurance policy; it covers both the building and its contents for all risks, except for those specifically excluded. There are two types of insurance risks that are not normally included in any home insurance policy – those for which you can buy optional insurance (“optional coverage”) and those for which insurance is not available (“uninsurable peril").

What is a broad form policy?

If the comprehensive policy costs more than you want to pay, a mid-priced compromise is the broad insurance policy. This policy provides comprehensive coverage on the building and named perils coverage on the contents.