Home Owners Insurance

    
Insurance is something most people don’t even want to think about until they need it. But, understanding what is covered in your homeowners insurance policy can mean the difference of being able to rebuild your home and replace your personal belongings.

Homeowners need to do annual insurance policy check-ups to make sure they keep up with local building costs, home remodeling and inventories of their personal belongings.

The typical homeowners insurance policy covers damage resulting from fire, windstorm, hail, water damage (excluding flooding), riots and explosion as well as other causes of loss, such as theft and the extra cost of living elsewhere while the structure is being repaired or rebuilt.

Your policy also covers your legal liability (up to policy limits) if you, members of your family or even your pets hurt other people or their property, not just in your house, but away from it, as well.     

    
Renters Insurance

If you're a renter, you may not think you need insurance at all. (Your landlord already has insurance on the building, right?) But you may not realize that your landlord's policy doesn't cover any of your personal property. What would happen to your belongings if:

• Your apartment building burned down?
• A thief broke into your town house?
• A guest slipped and injured himself in your kitchen?
• The home you're renting suffered water damage?

Without renters insurance, you've got no coverage for personal property loss or damage.     

    
Other Coverages

    
We also offer Fire, Extended Coverages and VMM (vandalism and malicious mischief) coverages for rental properties or other dwellings/properties.