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Home, Condo and Renters Insurance
Renters Insurance
What Does Renters Insurance Cover?
- Medical Bills from Dog Bites: Coverage for medical expenses if someone is bitten by your pet.
- Theft from Your Vehicle: Protection against theft of personal items from your car.
- Spoilage of Refrigerated Contents: Compensation for food spoilage due to a power outage or appliance failure.
- Damage/Theft to Your Belongings: Coverage for damage or theft of personal property within your rental unit.
- Theft of Items While Traveling: Protection for theft of belongings like luggage or a laptop while you're traveling.
Renters insurance provides valuable coverage to protect your personal items and provide peace of mind in various situations.
Condo Insurance
Selecting the right insurance policy can indeed be challenging. For condo owners, your insurance policy typically covers:
- Personal Property: Protection for your belongings inside the condo.
- Liability: Coverage for accidents or injuries that occur within your unit.
- Additions, Alterations, and Improvements: Coverage for changes or upgrades you’ve made to your condo, as specified in your condo association agreement.
Additionally, optional Loss Assessment Coverage can protect you against certain assessments levied by the condo association, such as for shared damages or liabilities.
Your policy also provides compensation for Additional Living Expenses if you need to temporarily vacate your condo due to a covered loss. This ensures you’re not left out-of-pocket for living expenses during the repair or replacement process.
We’re here to help you navigate these options and find the coverage that best suits your needs.
Home Insurance
For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected.
In most cases, we will be able to insure your home for 100% of the replacement value,
which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.
Flooding:
Standard home insurance policies generally exclude coverage for flooding. Flood insurance is a separate policy and must be purchased separately. If you live in a flood-prone area, it's important to consider this additional coverage.
Protect the Things That Matter:
Create a detailed inventory of your home and personal belongings. Include a written list and take photos or videos of your possessions. Using both inventory methods can help streamline the claims process. Store this inventory list in a location outside your home for safekeeping.
By understanding these aspects and choosing the right coverage, you can ensure that your home and personal assets are well-protected. If you need assistance or have questions about your policy options, we're here to help!