High Value Homeowners Insurance

The right choices come from understanding your options.

Through years of experience, Lang Insurance asks the right questions and provides solid advice when reviewing a current or new client’s homeowners coverage. We advise based on a thorough understanding of the home or homes you own, where they are, how they are staffed and how your family uses them throughout the year. This personal knowledge allows us to design comprehensive insurance coverage that is perfectly geared to how you live, what you need to protect and most valuable assets. We clearly explain the choices between cost, deductibles, and coverages on all insurance options presented to you.

Lang Insurance never recommends coverages you don’t really need.

We routinely discover instances of waste in standard policies and tailor new policies to reflect each family’s lifestyle, goals, and assets. We can also suggest complementary policies that bundle protections adequate to your needs in terms of flood, excess flood and liability insurance and how to most effectively package protection for specialized assets such as private collections, auto fleets and watercraft.

We make sure you can fully replace what you lose.

Our clients often own multiple homes and we seek to reduce costs, while improving coverage, for every home taking into account the home’s age, structure and geography. The premium coverage we provide will fully replace the structure and contents of a home at full replacement value, even older homes that can be rich with architectural detail and expensive to rebuild and bring up to modern code requirements. When a home is being built or rebuilt, we make sure that the insurance coverage matches the phases of your builder’s construction process.

Lang Insurance is the antidote to the mass marketed insurance industry’s assault against waterfront homeownership. Availability of, and the premiums for homes anywhere near the water have risen exponentially in the last few years. We can’t think of another business that has raised its prices as much as the home insurance industry. We had started considering moving away from the area. But, luckily I spotted an advertisement for the Lang Agency and haven’t stopped smiling since. Kevin recommended a specialized insurance company with rates that more accurately assess and reflect true risk. He followed up, clarified, and negotiated on our behalf and put together an excellent insurance package for our home and cars–not a “one size fits all”, but a tailored insurance solution. We couldn’t be happier and completely recommend the services of Kevin Lang and his competent and friendly staff.

- K.L. and S.C.