What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
Your high value home may not be adequately covered under a standard homeowner insurance policy. Instead, you may need a policy that fills in coverage gaps and recognizes the unique coverage needs of the finest built homes. These polices are designed to protect homes with values in excess of $750,000. We can assist you in selecting a flexible policy to protect your home and your family for years to come.
What does high value home insurance cover?
High value home insurance includes higher limits and exclusive features to provide more coverage to quality homes. Many of these policies are flexible and can be tailored to the unique needs of each family. Some of your coverage options may include the following:
We will help you find a policy to fully protect your home and family. Where standard polices may fall flat, high value home insurance policies offer specialized coverage to fit the needs of the lifestyle you are accustomed to. Call us today to begin protecting your future.
What is apartment owners insurance?
As an apartment building owner, you have a responsibility to protect the buildings you own. Residents must get their own coverage to protect their belongings. But, the building structure and common areas are yours to protect with apartment owners insurance.
What can apartment owners insurance do for you?
Residents’ rental policies are limited and rarely cover the building itself. If a covered event damages your building, apartment owners insurance can help fund the repairs. A comprehensive policy can include the following:
Get started!
Apartment owners insurance cannot help you until you get a policy. Contact our agency for personalized assistance today.
What is mobile home insurance?
As with any structure called home, mobile homes can and should be insured to protect your finances from various risks. Purchasing a mobile home is an investment that would not be easy to replace if a disaster hit. The right mobile home insurance policy offers protection for your home, possessions and finances.
What are the benefits of mobile home insurance?
Like homeowners insurance, mobile home insurance offers a variety of coverages. Some of the most common coverages include the following:
Protecting your mobile home is as simple as calling our agency for a free quote. We can help find a policy with the right coverages for your needs, as well as answer any questions you may have.
We do the work for you, so you can rest knowing your home is protected.
What is condominium insurance?
Condominium insurance is similar to homeowners insurance but is designed for the specific needs of condo living. Many families choose condos because of the convenience of on-site maintenance and access to community amenities. In this environment, the main structures of all buildings and common areas are covered by an insurance policy held by the condo association. However, a personal condo insurance policy may cover property damage and liability risks of the unit owner.
Who benefits from condominium insurance?
Condo insurance is beneficial for all condo owners as well their visitors. In fact, most mortgage companies require condo owners to purchase a policy for the duration of their loan. Condo insurance may cover damaged, lost or stolen property due to fire, theft or natural disaster. This protection could extend to interior furnishings, including walls, flooring, ceilings, appliances and fixtures.
In addition, this type of policy could cover you against liability claims. If you are found liable for a visitor’s injury, condo insurance could cover associated medical expenses and/or legal fees.
How much condominium insurance do you need?
The necessary amount of condo insurance largely depends on the value of your possessions. By determining how much it would cost to replace your possessions, you can estimate the policy size that would be appropriate for your individual needs.
Call us today to learn more about protecting your home with condominium insurance.
What is rental property insurance?
Renting out property can be a lucrative business, especially if you own several properties. While residents have certain responsibilities, it is the landlord’s job to protect the property. Rental property insurance covers buildings, fences, sheds and liability risks. Think of this coverage as a blanket that falls over the residents’ renters insurance. With both policies in force, you and your tenants are protected from various financial risks.
What can rental property insurance do for you?
Even though you may not live in your rental properties, you still need to provide a safe environment for your tenants. While rental fees cover regular maintenance, you may face larger restoration costs after a fire or severe storm. Rental property insurance can help pay for those repair bills.
Purchasing rental properties is a big investment. Like any business it is important to protect that investment from unforeseen events.
Get started!
Our agents are ready to assist you. We search our network of insurance providers on your behalf to find the best combination of policy and price. Contact us for more information.
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Your high value home may not be adequately covered under a standard homeowner insurance policy. Instead, you may need a policy that fills in coverage gaps and recognizes the unique coverage needs of the finest built homes. These polices are designed to protect homes with values in excess of $750,000. We can assist you in selecting a flexible policy to protect your home and your family for years to come.
What does high value home insurance cover?
High value home insurance includes higher limits and exclusive features to provide more coverage to quality homes. Many of these policies are flexible and can be tailored to the unique needs of each family. Some of your coverage options may include the following:
- Property coverage: Many policies may cover the full replacement cost of your home, even if it exceeds policy limits. Compensation rates are determined with similar construction quality and specialized location in mind. The goal is to completely restore your home and family to your accustomed lifestyle.
- Valuable contents coverage: Contents coverage may replace your property with the same or similar quality items. An added benefit of this policy is the coverage of valuable luxury items, such as jewelry, fine art, electronic equipment, antiques, wine and other items of value.
- Increased expenses coverage: After a covered loss, rebuilding efforts may be thwarted by a higher mortgage rate or changes in building code. This policy can cover the difference between what you previously paid and what you are expected to begin paying.
- Sewer and drain backup coverage: Sewer backups and drain or toilet overflows can lead to high expenses associated with cleanup and repair work. This coverage can be added to your policy to protect against these detrimental incidents.
- Secondary residence coverage: Vacation and/or seasonal homes should be similarly insured. You can add multiple homes to your high value home insurance policy to protect all of your properties against potential risks.
We will help you find a policy to fully protect your home and family. Where standard polices may fall flat, high value home insurance policies offer specialized coverage to fit the needs of the lifestyle you are accustomed to. Call us today to begin protecting your future.
What is apartment owners insurance?
As an apartment building owner, you have a responsibility to protect the buildings you own. Residents must get their own coverage to protect their belongings. But, the building structure and common areas are yours to protect with apartment owners insurance.
What can apartment owners insurance do for you?
Residents’ rental policies are limited and rarely cover the building itself. If a covered event damages your building, apartment owners insurance can help fund the repairs. A comprehensive policy can include the following:
- Building coverage: Protects the building structures, common areas and tools/vehicles used to maintain the property.
- Liability coverage: Protects you against lawsuits filed by visitors who suffer injury or property damage while in common areas. If these claims occur within a resident’s unit, it often defaults to his/her renters insurance.
Get started!
Apartment owners insurance cannot help you until you get a policy. Contact our agency for personalized assistance today.
What is mobile home insurance?
As with any structure called home, mobile homes can and should be insured to protect your finances from various risks. Purchasing a mobile home is an investment that would not be easy to replace if a disaster hit. The right mobile home insurance policy offers protection for your home, possessions and finances.
What are the benefits of mobile home insurance?
Like homeowners insurance, mobile home insurance offers a variety of coverages. Some of the most common coverages include the following:
- Dwelling: Covers the physical structure of your mobile home from a variety of disasters such as fire and theft.
- Contents: Covers your furniture, kitchen appliances, clothing, electronics and other belongings. You may need extended coverage for valuables like jewelry and antiques.
- Liability: Covers you if an accident on your property causes injury or property damage. This includes medical and legal expenses.
- Trip collision: Covers your mobile home while it is in transit.
Protecting your mobile home is as simple as calling our agency for a free quote. We can help find a policy with the right coverages for your needs, as well as answer any questions you may have.
We do the work for you, so you can rest knowing your home is protected.
What is condominium insurance?
Condominium insurance is similar to homeowners insurance but is designed for the specific needs of condo living. Many families choose condos because of the convenience of on-site maintenance and access to community amenities. In this environment, the main structures of all buildings and common areas are covered by an insurance policy held by the condo association. However, a personal condo insurance policy may cover property damage and liability risks of the unit owner.
Who benefits from condominium insurance?
Condo insurance is beneficial for all condo owners as well their visitors. In fact, most mortgage companies require condo owners to purchase a policy for the duration of their loan. Condo insurance may cover damaged, lost or stolen property due to fire, theft or natural disaster. This protection could extend to interior furnishings, including walls, flooring, ceilings, appliances and fixtures.
In addition, this type of policy could cover you against liability claims. If you are found liable for a visitor’s injury, condo insurance could cover associated medical expenses and/or legal fees.
How much condominium insurance do you need?
The necessary amount of condo insurance largely depends on the value of your possessions. By determining how much it would cost to replace your possessions, you can estimate the policy size that would be appropriate for your individual needs.
Call us today to learn more about protecting your home with condominium insurance.
What is rental property insurance?
Renting out property can be a lucrative business, especially if you own several properties. While residents have certain responsibilities, it is the landlord’s job to protect the property. Rental property insurance covers buildings, fences, sheds and liability risks. Think of this coverage as a blanket that falls over the residents’ renters insurance. With both policies in force, you and your tenants are protected from various financial risks.
What can rental property insurance do for you?
Even though you may not live in your rental properties, you still need to provide a safe environment for your tenants. While rental fees cover regular maintenance, you may face larger restoration costs after a fire or severe storm. Rental property insurance can help pay for those repair bills.
Purchasing rental properties is a big investment. Like any business it is important to protect that investment from unforeseen events.
Get started!
Our agents are ready to assist you. We search our network of insurance providers on your behalf to find the best combination of policy and price. Contact us for more information.