Homeowners Insurance

Home Owners Insurance

Owning or renting a home could be quite expensive, however taking on a total loss on a home or on the belongings in your apartment due to an unexpected event is impossible for most of us. That is why we offer these insurance options so that we can decrease the risk of uncertainty and prepare you to face these unforeseen events.

Homeowners, which covers the following:

  • Your Home
  • Detached Structures, such as a garage or shed.
  • Personal Belongings, including furniture, clothing, appliances and much more.
  • Loss of Use, for living expenses, when the home is damaged and uninhabitable.
  • Personal Liability, that protects you and your family against a claim or lawsuit if someone is injured or their property is damaged while at your home.

Renters, which covers the following:

  • Furniture
  • Clothing
  • Appliances
  • Personal Belongings, no matter where they are used
  • Personal Liability, that protects you against a claim or lawsuit if someone is injured or their property is damaged while in your apartment

Condo (owners), which covers

  • Furniture
  • Clothing
  • Appliances
  • Personal Belongings, no matter where they are used
  • Personal Liability, that protects you against a claim or lawsuit if someone is injured or their property is damaged while in your condo
  • Cost of Common Property Loss, assessed by the condo association on all unit owners

Flood

Most of us are not aware of the risk of a flood in the area. However, the National Flood Insurance Program reports that flooding occurs in every state and 25% of all floods occur in low to moderate risk areas.

We can offer the following flood insurance:

  • Building Coverage. Covers damage to your dwelling and items such as the furnace and water heater.
  • Contents Coverage. Covers your furniture, rugs, appliances, and clothing (subject to limitations in basement areas).
  • Property Protection. Pays for sandbagging and other expenses for preventing flood damage.
  • Clean-Up Reimbursement. Covers costs of cleaning your home and removing debris after a flood.