Homeowner, Condo, & Renters Insurance
All homes are not the same. Homeowners insurance helps protect the place you call home.
Whether you own or rent a single-family home, townhouse, manufactured or mobile home, row house, condominium, apartment, or duplex, we know how important it is to review coverage options with an experienced agent.
Helpful Tip:
Insuring the value of your home is a key point in the careful review of your insurance policies.
Get a Quote For Your Home
Homeowners Insurance
Homeowners insurance covers your home’s structure, your personal belongings, liability protection for you and your family, additional living expenses, and other important coverages.
Standard homeowners coverage include:
Rebuild/Repair Home
Help pay to repair or rebuild your home. Most policies also cover detached structures such as:
- Garage
- Toolshed
- Gazebo
Personal Property
Help pay to replace your belongings if they’re stolen or damaged by a covered risk.
Belongings include:
- Clothing
- Electronics
- Furniture
- Other moveable goods
Liability Protection
Repairs if you or members of your household, including pets, accidentally damaging someone else’s property or a guest’s medical bills if you’re found responsible for their injuries.
Could also help with legal expenses from claims or lawsuits against you.
Temporary Living Expenses
Additional costs you incur, like hotel hills, if your place of residence is damaged and uninhabitable from a covered incident.
Homeowners policy covers damage resulting from:
- Fire and smoke
- Theft and vandalism
- Severe weather (storms, lightning, hail, hurricanes)
- Sewage backups
- Identity theft
- Water damage from plumbing, water heater, and appliances (unless excluded by your policy)
- Other covered events listed in your policy
Can you add cyber liability cover to my homeowners policy?
Condominium Insurance
Condo insurance (or condominium insurance) covers your personal belongings, the interior build-out of your unity, injuries at your place, and more.
Standard condominium coverages include:
Unit Coverage
Protect the interior of your unit itself including:
- Walls
- Cabinets
- Carpeting
- Fixtures
Personal Property
Help pay to replace your belongings if they’re stolen or damaged by a covered risk including:
- Clothing
- Electronics
- Furniture
- Other moveable goods
Liability Protection
Repairs if you or members of your household, including pets, accidentally damage someone else’s property or a guest’s medical bill if you are found responsible for their injuries.
Could also help with legal expenses from claims or lawsuits against you.
Loss of Use
Costs of lodging/transport if your place of residence is damaged and uninhabitable for a covered incident.
Also called additional living expense coverage.
Renters Insurances
When you rent or lease, your landlord’s insurance usually only protects the building itself—not your personal belongings or your liability for accidents.
Standard renters coverages include:
Personal Property
Help pay to replace your belongings if they’re stolen or damaged by a covered risk.
Belongings include:
- Clothing
- Electronics
- Furniture
- Other moveable goods
*includes coverage of your possessions, whether they are in your home, car, or while traveling
Additional Living Expenses
Additional costs you incur, like hotel bills, if your place of residence is damaged and uninhabitable from a covered incident.
Liability Protection
Repairs if you or members of your household damage someone else’s property or a guest’s medical bills if you’re found responsible for their injuries.
Could also help with legal expenses from claims or lawsuits against you.
According to the National Association of Insurance Commissioners the premiums for renters insurance average between $15 and $30 per month depending on the location and size of the rental unit and the policyholder’s possessions.
F.A.Q.
Every home comes with its own set of benefits and risks. Property insurance can help give you peace of mind no matter where you live.
Why do you need condo insurance for your unit?
Condo associations likely will not insure the interior of your unit (including any upgrades like new granite countertops, light fixtures or custom cabinets) or the persona property inside.
Their mater policies typically focus on the exterior building structure and common areas.
Does condo insurance cover my townhome?
If you own a townhome that requires membership to a condo association, you may be able to cover your property with a condo insurance policy.
But townhome owners that are responsible for the exterior of the unit will need a homeowners policy that insures both the interior and exterior of the townhome.
Be sure to check with your HOA to determine what is covered by the association’s master policy and what you are responsible for as the owner of the townhome.
Why do you need renters insurance?
If your possessions are stolen during a break-in, or damaged by a fire or severe weather, a renters insurance policy allows you to recover their value subject to the limits and deductibles you select.
It can also help protect you in case of a liability lawsuit should someone injure themselves in your home. The coverage applies even when you are away from home or while you’re on vacation.
Is renters insurance required?
Landlords typically require tenants to purchase renters insurance policies, therefore, be sure to review your lease.
What is not covered on my policy?
Damage caused by a flood, earthquake, or routine wear and tear is not typically covered in both condo and homeowners insurance policies.
A separate policy or rider is required for these perils.
Additional Coverage
Earthquake
Earthquakes occur without warning – protect your home & belongings before it’s too late.
Personal Umbrella
Additional liability coverage to ensure you are protected from the unexpected.
Short-Term Vacation Rental
Comprehensive insurance coverage for seasonal & rental homeowners using Airbnb, VRBO®, or any other rental service.
