Homeowners Insurance

AA013019Home is where the heart is…

Smart Homeowner’s Insurance from Lacy West-Thomas Insurance Agency

Is Your Homeowner’s Insurance being held hostage?

If you’ve shopped throughout Elizabethtown, Fayetteville, Clinton, Whiteville or any of the surrounding communities for homeowner’s insurance you’ve probably discovered a requirement that’s seldom mentioned in slick TV commercials or on-line ads:

Many companies won’t write your homeowner’s insurance UNLESS they get your auto insurance as well.So, regardless of the great rate you could get on your auto coverage with Company A, Company B won’t write your homeowner’s insurance UNLESS they also get your auto insurance business. Some companies call this practice smart risk management, while others may label it product line leveling or some other industry-created title.

At Lacy West-Thomas Insurance Agency, we don’t hold your insurance hostage.

Get the best of BOTH worlds with Lacy West-Thomas Insurance Agency

homeowners1Lacy West-Thomas Insurance Agency offers options that many other agencies can’t provide. Years and years spent developing strong relationships with many of the nation’s top-rated insurance carriers enables us to insure separate interests with separate companies so you get the very best rate available. If one of our insurance carriers is more competitive in the homeowner’s insurance arena while another is aggressively pursuing auto insurance business by offering amazing rates, we can write both for you. And, if writing both policies with the same company is the best option, we’ll make it happen.

The coverage you need: the peace of mind you deserve

So many homeowners and renters don’t realize that the policies they counted on to cover them against loss have specific limits. Finding out after a loss occurs that your coverage was inadequate isn’t going to help replace what you’ve lost.

All policies have coverage limits on specific items. If you own artwork, collectibles, jewelry, firearms and/or other ‘specialty’ items, your insurance policy may not offer enough coverage to replace these items in the event of a loss.

The licensed professionals at Lacy West-Thomas Insurance Agency can provide a need analysis to determine if you’re properly covered.   If you’re under-insured we can offer sound options that close the coverage gaps and provide the peace of mind you and your family deserve.

Our Options Include:

  • Homes
  • Rental property
  • Townhomes
  • Apartments
  • Condos
  • Mobile Homes
  • Vacant Homes
  • Homes under construction
  • Fire Policies
  • Umbrella
  • Wind & Hail
  • Flood
  • Earthquake
  • Jewelry, artwork, etc
  • Multi Policy Discounts are available

CLICK HERE for a no-obligation quote today!