Home, Condo and Renters Insurance

 Our goal is to protect you and your family from those unexpected events by finding the right home insurance coverage at an affordable rate.  Finding the right homeowners insurance policy for your unique needs can seem overwhelming. Rest assured, we can help make things a bit simpler by creating a homeowners insurance policy that gets you the proper coverage for your house at the right price.

 WHAT DOES RENTERS INSURANCE COVER?

• Medical bills incurred by dog bites • Theft from your vehicle • Spoilage of content in your refrigerator • Damage/theft to your belongings • Theft of things such as your luggage while traveling or your laptop while at a cafe  

 Choosing the right insurance policy can be difficult and confusing. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.
 

Whether you own a house, apartment, or condominium — the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.

Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. 

Flooding
Most insurance companies exclude flooding from the standard policy. Flood insurance is not automatic and is a separate policy.

Home businesses
If you are operating a business in your home, it’s best to have business insurance. Standard homeowner policies do not typically cover any business-related costs. 

Protect the things that matter to you
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video — using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home.