Homeowners and Renters
Insurance Coverage
Homeowners Insurance
There is a reason why “home sweet home” and “there’s no place like home” are such well-known phrases. You’ve put so much time, money and effort into your house, making it an extremely valuable asset. For most it’s more than just a house, it’s a safe place where memories are made every single day. Working with an insurance company who fully understands and is aware of these things is necessary. We represent several reliable insurance companies and will help you find one that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing. Coverage availability and prices may vary by company.
Depending on the company you choose, you can get discounts for:
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Having a burglar alarm system
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Owning a newer residence
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Having a claim-free past
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Insuring your vehicles with the same company
Additional benefits include:
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Repair warranty
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24-Hour claims hotline access
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Adjustable billing -including working with your mortgage company
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Cost of living - if your home becomes uninhabitable due to a claim
Renters and Condominium Insurance
A home is more than the building that surrounds it. Renter’s and Condominium insurance protects the items that make your living space your own. If the property or multi-family dwelling you are living in is damaged or destroyed, the property owner’s insurance will only cover the building, not your possessions. We can help you choose the right coverage and insurance company to ensure that your household items are covered, and the unique issues of renters and condominium owners are addressed.
While coverage depends on the state you live in, and the policy details, in general, Renter’s insurance broadly covers losses from:
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Fire
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Lightning
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Theft/Burglary
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Smoke damage
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Vandalism or malicious mischief
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Water damage from (sudden and accidental) leakage of plumbing, heating, air conditioning, and appliances
Personal liability protection is usually included to protect you from liability for injury or property damage to visitors in your rental or condominium.