Types of Homeowners Insurance Coverage
Residential
For many of us, our home is one of our most valuable and prized possessions. There is nothing quite like the wonderful feeling of having a place to call home and nothing worse than the sinking feeling of losing it. Residential Homeowner’s insurance helps to make sure that we will have a home in the event that the unexpected occurs.
Specialty Homeowners
We provide a variety of Homeowner Coverage options for providing protection for the following types of specialty properties: older and lower value homes, landlord properties, homes with minor cosmetic problems, homes with market value above or below replacement cost, and more.
Renters
Just because you don’t own the property you live in, doesn’t mean that your valuables shouldn’t be insured. Did you know that your personal property isn’t covered under your landlord’s insurance policy? Renters insurance helps to make sure your prized possessions are covered when you’re renting your home.
Landlord
If you own single or multiple properties that you rent out, you may have special insurance needs. That’s why we provide Landlord insurance. It is specially tailored to meet the unique needs of property owners.
Flood Insurance
Chances are if you live in a flood plain, you should, and may even be required, to have Flood Insurance as part of your Homeowners policy. As part of the National Flood Insurance Program, you are able to purchase protection, against flood damages, in most areas.
Specialty Items Coverage
Are your wedding bands or other valuables covered? What about your home entertainment system? Specialty Items Coverage can make sure that these items and your personal belongings are protected.
Personal Liability Coverage
Are you protected if someone is injured on your property of if you damage another’s property? Personal Liability Protection makes sure that you are covered against the things that you can be held liable for.
Personal Umbrella Liability Coverage
An umbrella, exactly what it says, shelters us from a great deal of losses. Given today’s litigious society, we could stand to lost a lot if we end up in a lawsuit. A Personal Umbrella Policy serves to shelter you from losses or loopholes in coverage.