Homeowners Insurance
A basic homeowners policy provides a way to replace your home or property if it is damaged or destroyed by fire or wind. There are many other types of loss that can be covered by your homeowners policy as well. These may include situations like theft of property, water damage, lightening strikes, etc. When purchasing a homeowners policy, a consumer should always request the broadest possible coverage for which they are eligible. We represent many different carriers and can recommend the best coverage for the best price.
Renters Insurance
Renter’s insurance provides coverage for a tenant’s personal property as well as their personal liability exposures. Fire, theft, and water damage are just a few of the common causes of loss covered under the policy. We recommend that tenants schedule or list any valuable items of personal property such as jewelry, guns, or artwork. The renter’s policy has specific limits for these classes of personal property unless these items are scheduled.
Personal Liability Umbrella
Every personal insurance policy you own, from your homeowners policy to your automobile policy provides legal liability coverage. This coverage provides your protection against lawsuits that may be filed against you. These liability limits are frequently lower than they should be to adequately protect you in today’s litigious society.
The personal liability umbrella policy is an additional liability policy that supplements the liability coverage you already have through your home and auto insurance, and provides an extra layer of protection.
If you don’t have adequate liability coverage to resolve a claim or lawsuit, you could be at risk to lose your home or other assets. Umbrella policies cover damage claims that you, your dependents, or even your pets may cause.
Flood Insurance
The standard homeowners policy holds strict exclusions regarding damage to your property caused by a flood. The policy refers to flood as the rising of surface waters, but it also includes as flood the rising or runoff of surface water from any source and mudflow, as well as wind driven water.
The cause of a flood could be the result of a force of nature or from other sources such as an area undergoing new construction or expansion, and earth movement. These are the areas affected most often and unexpectedly by a loss from flood.
You may be required to purchase flood insurance as a condition of your mortgage, but flood insurance is a protection that all consumers should consider purchasing whether or not your property is located in a designated flood zone.
Please call or E-mail an agent today for information or to request a quote!
