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Assessing Your Home Insurance Coverage: An Interview with Jeffrey Young of Angus Insurance.

By Jeffrey Young

Tell us a little bit about your company and its foundation.

The Angus Group Insurance Agency was founded by Jeff Young in 2003 as a start-up agency. The Angus Group specializes in providing insurance products such as homeowners, personal auto and business insurance. Jeff Young has a strong commercial underwriting background which started in 1987.

Please briefly explain the idea of home insurance to our readers, what it is, why it was created, etc

Simply put homeowners insurance provides protection against your home, personal belongings and personal liability from exposures to certain perils and legal liability in our social environment.

What are some of the advantages of working with a local agent, rather than a popular online insurance source?

It is best for someone to work with a local INDEPENDENT agent because we work for you and in your best interest. We are not employed by insurance carriers but instead contract with several regional insurance carriers so that we can find the insurance product which best suits your individual needs from a price and product perspective. Supporting a local agent will also mean supporting your own community as many agents have strong ties to charitable organizations within your community.

What is the deductible and how does the insurer decide on the amount?

A deductible is the amount of a claim that the consumer will pay prior to the insurer paying the claim. To decide on the amount of the deductible one would need to consider affordability of such deductible (Do I have $1,000 easily available should I have a claim?). You would also need to consider the amount of the discount each deductible amount provides.

Do most property protection policies include dwelling, other structures, and personal property?

Yes and today's policies provide many additional types of coverage, too many to answer in this question. This is another reason to sit down with a local INDEPENDENT agent. It is also just as important to understand what is excluded in the homeowners policy and find out if there are alternative methods for covering the excluded perils i.e. Flood.

What does the personal liability part of my policy cover? Will the insurer pay for medical expenses as well?

Personal Liability coverage pays for bodily injury and property damage that you are legally liable for to others. Medical expense coverage is included at a smaller limit and will pay medical bills to third parties without regard to fault or negligence on behalf of the insured.

What's the best way for people to get in contact with you and your company?

Call us at 603-421-0021, email to angus@angusinsurance or go to our website at

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