Benefit from Independent Advice for Homeowners or Renters Insurance

Free Insurance Policy Checkup

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No obligation! After receiving your Policy Checkup, should you choose not to go with us, you have our word that you won’t be inundated with sales calls.

Do you truly understand what your homeowner’s insurance policy covers?

We are advisors. We get to know you, to make sure you have the correct coverage, protecting you from a serious financial loss. We will ensure that you get:

The Right Coverage – Saving money is good, but don’t be enticed by a “cheap” quote. Chances are that corners were cut without telling you about reduced coverages.
True Value – As independent agents, we can shop your policy with the top carriers to get the best coverage at the right price.
Risk Mitigation – Our goal is to help you feel secure and protected. Does your policy offer a Full Replacement Payout or just Actual Cash Value (a significantly reduced percentage of the cost to replace)?
Personal Service – We build relationships with our clients. We will provide honest, informed and straightforward answers to your questions.
Knowledge & Experience – We understand the insurance market—creating the right policy, navigating claims—we have seen it all.
If your current insurance company acts like they don’t care, is impossible to get ahold of, or sends outrageous increases without talking to you, let us provide a quote.

Common Homeowners Insurance Costs

Wondering what most homeowners use their insurance for? Be sure you have adequate coverage in these important areas.

*Data averaged from 2015–2019

ClaimAverage Cost to Homeowner*
Fire and lightning$78,838
Bodily injury and property damage$29,752
Water damage and freezing$11,098
Wind and hail$10,801
All other property damage claims$6,406
Medical payments and other$4,328
Credit card and other$672
True stories lightening

When Lightning Strikes

A new client called our agency to get a homeowner’s insurance quote after a bad experience with his prior carrier. The month before he had called his insurer asking if he had coverage for lightning because his air conditioner stopped working during a thunderstorm.

Even though a claim was never filed, the carrier reported the call as a claim event—resulting in a 30% cost increase for his next policy. Fortunately, we had the opportunity to advise him on how to use his agent to help him save money.

If your agent isn’t aggressively working to protect you and your interests, they are costing you money. And the price of your coverage shouldn’t go up just because you called your agent to ask a question. Let Community Insurance Advisors help protect you.

There is real value of working with an independent, trusted, experienced insurance advisor.

John Allen and our team at Community Insurance Advisors strive to fix those broken practices. Our mission is to provide a customer experience that truly fits what YOU need—delivering customized programs with honesty and integrity and setting a new standard for our industry.

We are here to make sure your company, home and/or autos are protected correctly—and that you have a clear understanding of what you are paying for.

John Allen, President
John Allen, President

Commercial or Cyber Policies

Nicole Clayton, Agenct
Nicole Clayton, Agent

Personal Lines (Home, Auto)

Community Insurance Advisors

TDI License Numbers: 1926304/1381618

Core Values


Reliable • Helpful • Persistent


Accountable • Honest • Professional


Knowledgeable • Inquisitive • Thought Leaders

What Our Customers Say

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