IT’S MORE THAN JUST A HOUSE
Cottage on the Lake, Condo in the City, or Ranch in the Burbs – Having the RIGHT Home Insurance matters.
Whether you rent an apartment, own a condo or a 5 bedroom house, it’s important to make sure you have the right coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people.
For Home Owners: Homeowners insurance policies provide broad coverage for losses to your home, your personal belongings and also for detached structures on your property. It also provides protection in the event of injuries to people on your property.
For Condo Owners: Insuring your condominium is different than buying coverage for a conventional house or a rental. We understand the market for condominium owners and specialize in helping our clients with this type of coverage. There are a number of different ways your association may be set up; that is why it is important for us to fully understand the coverage provided by the association and your personal situation. We are able to provide coverage for owners in the following types of communities: Condominiums, Townhomes, Cooperatives, and Planned Communities.
For Renters: Renters insurance is designed to protect you against damage or loss of personal property when you rent an apartment, condo, or home. Your landlord may have coverage to protect the actual structure in which you live, but that insurance does not cover your personal belongings. Don’t forget the liability, you can be sued, even as a renter, and whether or not they win, fighting that suit could cause you financial hardship. W
Additional Insurance Options and Coverages we can help you with:
- Flood Insurance – may be required to obtain a mortgage in certain locations
- High Value Home Insurance – we cater to the unique needs of high net worth clientele
- Earthquake Insurance
- Second and Seasonal Home Insurance
- Investment Properties – Single and Multi-Family Homes
- Jewelry, Art or Collectibles Insurance
- Umbrella and Excess Liability Coverage