Homeowners and Renters
Your home is likely your largest investment. Let us help protect the structure, contents, additional living expenses, and offer liability protection for you and your family. Not a homeowner? Not a problem. Renters insurance offers liability protection and covers your belongings against losses and damages.
Peace Of Mind When You Need It Most.
Could you afford to rebuild your home and replace everything in it if disaster struck? Most people can’t. That’s where a homeowners policy comes in. It provides financial relief in the event of a covered accident like fire, windstorm, or theft. It also pays out if you or any other member of your home is held liable for injuries or property damage.
What Does Homeowners Insurance Cover?
There are a variety of policies available. The most common homeowners insurance coverages include:
- Dwelling: Pays to repair or rebuild the physical structure of your house, including attached garages, after damage from covered events.
- Other structures: Covers detached structures on your property, such as a fence, shed, or detached garage.
- Personal property: Covers your belongings (up to a limit) like furniture, clothes, and electronics, which are damaged or stolen.
- Personal liability: Protects you financially if you are found legally responsible for someone else’s injury or damage to their property. This can include court costs and settlements.
- Additional living expenses (ALE): Covers the extra costs of living somewhere else, like a hotel and meals, if your home is unlivable due to a covered disaster.
- Guest medical payments: Covers medical expenses for guests who are injured on your property.
Additional Coverage For The Unexpected.
It’s important to know that a basic homeowners policy offers basic coverage. For things beyond the basics (such as items of high worth that exceed the standard policy limits), additional protection is available.
Scheduled personal property
Scheduled personal property (also called an endorsement, floater, or rider) is an optional coverage to your homeowner policy that provides more coverage for high-value items such as artwork, antiques, jewelry, collectibles and more.
Flood Insurance
Flood insurance is a separate policy that covers damage to your property caused by flooding, which is generally excluded from standard homeowners and renters insurance policies. If you live in a flood risk area, you should consider flood insurance to protect your home.
Let Us Help Cover What Your Landlord Won’t.
If you’re renting a house, apartment, or condo, it’s important to know that the property owner’s insurance doesn’t cover your belongings inside the property or any liability you may face. For that, you need renters insurance.
Renters Insurance
Renters insurance will help you replace personal assets such as clothing, electronics, furniture, and more if there is a fire, bad weather, or even theft.
Accidents
You can be held responsible for accidents in your unit or house, even if you are just renting. A renters policy offers liability coverage to protect you.
Request A Personal Risk Review.
See what a review of your current insurance coverage uncovers. You may find that you’re adequately protected. You may find otherwise. Either way, you deserve to know for your peace of mind.