A look at how I price a house, what I check before I quote it and what you can expect from me the day something breaks.
I started JessyHouse because far too many owners sign a policy they have never once read. So I begin with the building, work out to the contents and finish with the people who come through your front door.
Most people learn what their policy truly says on the worst morning of their year. I flip that order around. I read the wording to you first, price the limits against what your house would cost to rebuild today, and flag the clauses that trip owners up before you sign a thing.
I also treat a policy as something that keeps moving with you. Finish the basement, put on a new roof, fill the garage with equipment, and I redo the numbers so the cover still matches the house you actually own.
Floor area on its own tells me almost nothing useful. I look at the age of the roof, the wiring in the walls, the pipes under the floor and where rain goes once it leaves your gutters.
Exclusions never announce themselves in a document. I walk you through every limit, deductible and exception in normal words, so nothing in there can ambush you a year from now.
There is no queue here and no case number for you to recite. Renewals, price changes and open claims all come back to me, and by then I already know your house.
A policy only helps if the person paying for it knows what it does. Every quote I send includes all of this, and none of it adds a dollar to the price.
Three steps from your first message to a signed policy, and I handle the insurance vocabulary for you.
Write out the basics on the house, the age of the roof and what you keep inside it. It takes a few minutes, I charge nothing for it, and you owe me no commitment afterward.
I set the cover levels, deductibles and extras side by side in plain words, so you can see exactly what each dollar is buying on your house.
You pick the version that fits, I file the paperwork, and your details stay with me for renewals, changes and the day you report a claim.
Give me the basics on the roof, the rooms and whatever fills them. I come back with a firm number and a short note on where the cover starts and where it ends.
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