Home, Condo, & Renters Insurance

Here is what appears to be a simple question - What type of insurance do you need?
But the answer often can be as clear as mud.

Many people approach their residential insurance in the same way they learned of politics and religion. My parents did this, so that’s what I did. Well, times have somewhat changed and residential property insurance has too changed. Don’t wait until damage or property loss occurs to find out that the fallen tree is not covered nor is debris removal from the fire. It is little things like this that make a large difference in policies when it comes time to put them to use. Let us help you make sure you have the right policy for what you want and what is reasonable in terms of price and coverage.

Do you need earthquake insurance, flood insurance, loss of use, special coverage’s for jewelry, guns, additional structures (pool house, work shed and tools)? This is why it is so important to speak with an insurance professional to properly examine your residential risks and help you plan for the right policy at the right value. A policy is only as good as it’s limitations against what you expect for what you are paying. Believe it or not, simply because you have a homeowners policy does not mean everything is covered.

Is an HO1 or HO2 policy sufficient or should you have an HO3 policy? Was your HO1 policy phased out in your state? Does the liability coverage include medical payments? Does the policy state replacement value or actual value? Again, these are all considerations that may not seem important today, but speaking with one of our insurance professionals today could protect you from a great deal of heartache tomorrow.

Whether you are a homeowner, renter, live in a condo or you rent to individuals it is important that you protect yourself from financial loss should a residence or person be affected by damage or injury. Renters insurance, condo insurance, dwelling coverage (investment rental) and homeowners policies should be obtained for your property.

We work with several hundred carriers to find the right policy for your needs. The policy should be reasonably priced and have the coverage you want and need for your level of risk. Don’t wait to experience a loss, call or email us today.

Take the first step and fill out the form below. Let us show you how we can make this complicated process simple and affordable.