Homeowners

To make your house a “home” you undoubtedly put countless hours and dollars into making it “just right.” From the paint, to the carpet, to the decorations, to the furniture and lighting – your house represents who you are. So it only makes sense to protect your “home”.

Home insurance can protect you from damage to your home and its contents. Home insurance also protects you from financial liability in case someone is injured inside or outside your home and you are found to be responsible

A simple homeowner’s policy can cover such risks as theft, lightning, fire, smoke, wind and explosion. But there are also many things that a simple homeowner’s policy WILL NOT cover, which require additional coverage.

A simple homeowner’s policy can cover such risks as theft, lightning, fire, smoke, wind and explosion. But there are also many things that a simple homeowner’s policy WILL NOT cover, which require additional coverage.

Condo Insurance

If you live in a condominium, the condomimium association will likely have insurance coverage on the building you live in, as well as liability protection if anyone is injured in common areas of the condominium complex (such as hallways, stairwells, and exterior areas). It is a good idea to read your association policy VERY CLOSELY to determine the exact coverage provided by the association.

The condominium association WILL NOT have insurance coverage for damages or injuries that occur inside your dwelling area of the condominium. You will need to have Personal Liability Protection for any damages that occur to the building or your possessions inside the building.

Renter's Insurance

If you live in an apartment, your landlord has coverage on the buildings and his possessions, but not your personal belongings. Nor does his policy protect you from theft or damages incurred within your apartment itself.

A renter’s insurance policy is surprisingly affordable and will insure all of your personal possessions, including electronics, appliances, and furniture. The policy will protect you against damage and theft and provide personal liability protection.

Landlord's Rental Dwellings

Do you own rental property? If so, then you need policy protection for the dwellings that you own, as well as secondary structures such as garages or sheds. Personal property, such as appliances and furniture, that is used by your tenants is also covered. Additionally, you need to have personal liability protection to cover any injuries that may occur to tenants or others who are on your rental property.

Homes Under Construction

If you are currently building, or considering building, a new home, you should plan on purchasing homeowner’s insurance on your new home during the construction period. A homeowner’s policy on your construction site would protect you from damage incurred by fire, wind or rain; would protect you from the theft of construction materials and tools; and would protect you from any personal liability lawsuits, such as a slip and fall injury at the worksite. A homeowner’s policy at a new home construction site WILL NOT cover the loss of any personal possessions within the interior of the house until the house is securable or lockable. Once a new home is securable, additional coverage for possessions may be added to the homeowner’s policy.

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