Benefit from Independent Advice for Homeowners or Renters Insurance

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

Free Insurance Policy Checkup

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

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.

Insurance advice

What Is a Policy Checkup?

Other insurance agencies only give you a free quote. At Community Insurance Advisors we take a step further by offering a Free Homeowner’s Insurance Policy Checkup. We’ll evaluate the coverage your homeowner’s insurance plan needs to keep you and your family well protected.

For example, you currently might be under-insured, leaving your family susceptible to high expenses in the event of property damage. Or you may be surprised to learn that you have more insurance coverage than you need, incurring unnecessary costs.

How Does It Work?

It’s easy! On a no-obligation, risk-free phone call, one of our agents will ask a few simple questions such as:

  • What is your current home/auto situation?
  • What policy problems are you having?
  • What are your insurance goals?

What Will I Get?

John Allen and our team of agents will give you our expertise and recommend one of the following:

  1. Does your coverage meet current needs? Keep your policy as is.
  2. Is your coverage lacking? We will offer tips on how to change your coverage.
This will only take 15 minutes of your time but can give you piece of mind for years to come.

At Community Insurance Advisors, our team is changing the way people buy insurance. We empower policy holders to understand their insurance needs. To request your Free Homeowner’s Insurance Policy Checkup call us or complete the form.

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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