Home Insurance
Home - Rental Property - Manufactured Homes - Renters Insurance +more
Homeowners insurance covers your home and possessions in the event of an unexpected accident or loss. This type of insurance is not only desired, but in many cases is required by your mortgage company.
We also want to help you make sure you have enough liability insurance on your policy in case someone becomes injured on your property.
Insurance protection provided in a
typical homeowners policy:
(coverage varies depending on your policy)
- Home–the actual physical structure and other structures attached to it
- Other structures–examples include: a detached garage, pool house, guest house, a storage shed on the residence property
- Personal property–includes contents of the home, such as furniture, appliances, clothing, etc.
- Loss of use/additional living expense–If your home is uninhabitable from a covered loss, this coverage can help meet the costs of hotel bills, apartment or rental home, etc.
- Personal liability–Protection against legal liability for bodily injury or property damage.
- Medical payments–provides limited coverage in the event a third party has an accident on your property that requires medical attention
Your home is probably the biggest investment you will ever make. There are many considerations in customizing an insurance policy that meets your needs.
Please keep in mind that most standard homeowners policies specifically exclude a number of perils from coverage, such as earthquakes, mudslides, water or flood damage, etc. But we have solutions that can be added to help in these events. We’re happy to discuss all the “what-ifs” to make sure you have the coverage you need.
Are you currently renting an apartment, townhome, or residential property?
Let us help you with an affordable solution to cover your personal items while renting.
Renters Insurance Covers Your Stuff:
(coverage varies depending on your policy)
Personal property coverage helps give you protection from accidents related to fire, smoke, water, wind, theft/vandalism, etc. Determining how much coverage you need is as simple as performing a home inventory to determine how much coverage you need and what it would cost to replace your items.
Renters coverage is more affordable than you might think. Let us give you a quote today!
Don’t forget to ask us about Umbrella Insurance to help with additional liability coverage!
