Home Insurance
Comprehensive Home Insurance for Every Situation
When people shop for home insurance, they are actually seeking not just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage to guard against disasters and losses.
Types of Home Insurance Coverage
Whether you’re a homeowner, renter, or condo owner, the right insurance coverage is essential to safeguard your belongings and property. From natural disasters to theft, we help you find the coverage that fits your needs and budget.
A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.
With a renter’s policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.
Homeowners Insurance
For homeowners, this policy covers the structure of your home and personal belongings. It protects against natural disasters (except certain exclusions like earthquakes), vandalism, and theft.
Renters Insurance
If you’re renting, this policy covers your personal items inside the property. It protects against theft, fire, and other unforeseen events, even though your landlord’s policy doesn’t cover your possessions.
Condo Insurance
A tailored policy for condo owners that covers your personal belongings and any damage to the interior of your unit. It complements your association’s master policy, protecting you from additional risks.
Find the Best Coverage for You
With an independent agency, you can compare home insurance quotes from top carriers to find the best deal. Get personalized service and the right coverage without the hassle of doing it all yourself.