Home insurance comes in a variety of categories to suit your specific needs:
Homeowners
This insurance is required whenever you have a mortgage on your home, which protects the interest of the bank or mortgage company.
A standard homeowner’s insurance policy includes 4 essential types of coverage:
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Coverage for the structure of your home
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Coverage for your personal belongings
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Liability Protection
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Additional living expenses in the event you are temporarily unable to live in your home due to a covered loss.
Renters
This insurance provides coverage for your personal belongings. It will protect your personal property against theft and damage. It will also give you personal liability coverage should you inadvertently damage someone’s personal property.
We can provide coverage for your valuable items and electronics on this policy.
Condo Owners
This insurance provides coverage for your personal belongings. It will protect your personal property against theft and damage. It will also give you personal liability coverage should you inadvertently damage someone’s personal property.
We can provide coverage for your valuable items and electronics on this policy.
Dwelling Fire
If you own a vacation home or rental property you will need coverage other than a personal homeowner’s policy. This type of property needs special coverage that protects your investments and is designed to cover the “special aspects” of your additional dwelling.
Mobile Home
A Mobile Home policy should look similar to a homeowner’s policy offering coverage to your mobile home, personal belongings, other structures and personal liability. There are many other specialized coverages that are designed for mobile homes in particular.
Umbrella Coverage
An Umbrella Policy provides the extra personal liability protection coverage to protect you from various unexpected accidents. Accidents can happen anytime involving decks, pools and dogs. All of these happen at the least expected time. You need to be prepared at all times. Without adequate insurance protection, a liability judgment against you could result in the loss of your home or other assets you have worked so hard to attain.