Whether you are a homeowner or a renter, we offer coverage for protecting you, your home, and your belongings. Contact me for information about insuring your home and your valuables. Without insurance, you’ll be responsible for protecting your property, possessions and liability exposure.
For instance, if your house burns down, without insurance you may need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have large amounts of liquid funds to pay for this damage?
Something else to consider: if someone is injured, they may sue you for injuries and damages they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.
Insurance can help you with your peace of mind, knowing that in the event of a covered loss, your damaged home can be rebuilt and your destroyed belongings can be replaced. Types of coverages include:*
- Dwellings and other structures
For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for many types of damage except for some exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
- Dwelling Improvements, Alterations, and Additions
Condominium owners are covered for accidental damage to improvements you make in your unit for which your association’s policy does not provide coverage, subject to your condo insurance policy limits.
- Loss assessment
Condominium owners can also receive coverage for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association’s policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.
- Personal Property
Homeowners, condominium, or renters 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 when you have to replace them.
- Personal Liability
Finally, in the event someone is injured or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage* should this ever occur, subject to some exclusions.
*Only up to the limits of the insurance coverages purchased.
We offer auto/home, new home, gas shut off, life, umbrella and CEA discounts.