While not required by law, should you have a mortgage or be renting a home or condo, you will likely be required to carry an insurance policy that covers or possibly exceeds what you owe or the value of the property. Having adequate property insurance assures you that in an unlikely event (think fire, flood, fallen tree)… you’ll have a roof over your head. Knowing that your largest investment is protected is priceless.
PROTECT YOUR HOME AND BELONGINGS
homeowners • renters • landlord • flood • umbrella
Own a rental property? Being a landlord is a great way to earn extra income, but if disaster strikes and you don’t have proper insurance you could be liable for repairs out of your own pocket. In any situation, our agents will explain the details of what you really need and all of the options that may be beneficial to you. They’ll also do all the leg work to find the perfect policy at a great price.
WHAT'S COVERED
Homeowner’s, renter’s and landlord insurance policies are designed to cover the repairs, replacement or value of what is covered in the policy should it be damaged. The main areas are:
PROPERTY DAMAGE
Covers: damage to house/structures on the property damaged by water, fire, storms or other events.
NATURAL DISASTERS
Not covered by basic plans, depending on where you live you may need a flood or earthquake policy.
STANDARD HOME LIABILITY
Covers you personally should someone get injured or have their personal belongings damaged while on your property.
PERSONAL PROPERTY
Covers items not accounted for (or exceeding the limits of) in your standard policy - like jewelry, art, etc.
LIVING EXPENSE
Covers costs for things like a hotel, food, etc in case your home is uninhabitable.
ENJOY YOUR HOME
knowing it's adequately covered
Getting homeowner’s insurance can seem overwhelming with so many options, decisions and items you may need to provide (like contracts, proof of ownership and receipts for valuables.) Your agent will guide you through every step and ask all of the important questions to find a policy that suits your specific needs. In addition to the policies mentioned above, they’ll discuss with you:
UMBRELLA POLICIES
Increase amount of liability coverage and covers claims excluded on primary policies.
COVERAGE OPTIONS
Learn the difference between “replacement cost” and “actual cash value.”
DISCOUNTS
See if you qualify for multi-line, safety feature or loyalty discounts on your policy.
Still have questions? You should, and we’re here to answer all of them. Contact us today. We’ll review your personal case and compare possible options to find you just the right homeowner, renter, landlord or other property insurance coverage needs. Once you have coverage, be sure to contact us as soon as possible should something happen to your property. We know how traumatic and stressful some life events can be. Our agents will guide you through the process and help you to quickly file a claim so you can get back to living.