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Why
do I need homeowners insurance?
Protect your Home, Protect your
belongings, and Protect the assets you’ve worked so hard for!
Dwellings and other
structures - For most of us, our home is the single, largest
investment we will make.
Homeowners insurance provides
coverages for damage to your home and other structures on your
property
such as a shed or detached
garage.
Personal Property -
Homeowners insurance also provides coverage for your household
contents and personal
belongings. You may
think your couch, coffee table, sweaters, shoes, coats, TV, VCR and
CD player aren't
worth a lot but those items all
add up.
Personal Liability -
Finally, in the event someone is injured on your property or you
damage property that
belongs to others, you could be
held legally liable for the injury or damage. A homeowner
policy provides
liability and personal property
insurance to financially protect you should this ever occur.
Enjoy the benefits of
Homeowner’s liability insurance even if you rent
or own a condominium.
If you rent or own
a condominium, you still need
coverage for your household contents and personal belongings and
personal liability.
There are specific policies
designed for those who rent or own condominiums.
Types
of Homeowner insurance coverage
Understand which coverage
elements are common among our property insurance policies:
Personal Property
-To protect movable personal property, mostly within your
home. Certain coverage limits apply.
Family Liability
Protection - To pay for covered damages which you're legally
obligated to pay.
Guest Medical
Protection - To pay medical expenses for your guests who are
accidentally injured on your property
as a result of a covered
loss.
Additional Living
Expenses - To pay the reasonable increase in living expenses if
your home becomes uninhabitable
after a covered loss.
Consider
which policy is right for your living situation:
House
Condominium
Mobile Home
Renter
Personalize
your policy with additional coverages such as:
Replacement
Cost Coverage
Scheduled Personal
Property Coverage
Increased Building Code
Coverage
Satellite Dish Antennas
Coverage
Flood
Insurance
Since
most Homeowners, Condominium, Mobile Home or Renters Insurance
Policies don't cover a flood, find out
if you're eligible for a
Flood Insurance policy.
To get a quote:
click here
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