Property Insurance provides coverage for owners or renters for most risks to their property including the property itself and liability coverage. When building your policy, it’s important to understand the total amount of coverage you need and what should be included. For example, policies vary in coverage for theft, damage done by weather, mold, and contents within the home. Special policies and riders can be taken out when needed. Our independent agents will meet with you to discuss all of your needs and build you a personalized policy to ensure you and your loved ones are covered!
Standard home policies cover the home itself, the contents within and your liability for any injuries incurred. The amount needed can vary drastically and should cover the structure, contents within the home and your liability to others. It’s important to fully understand what amount you want covered and why a one-size-fits-all approach usually leaves you underinsured.
Renters insurance covers the value of your possessions, should they be lost, stolen or damaged by circumstances outside your control. Your landlord’s insurance will not cover your personal items. Coverage is relatively inexpensive and we can set it up as a reimbursement with actual cash value or a replacement cost.
Floor insurance is not included in your standard home policy. It’s important to understand whether you need an additional policy based on the city and specific area or terrain where you live.
Home and auto policies only cover you to a specific point. An umbrella policy is an added layer of protection and will kick in beyond your standard policy to cover additional costs. This can vary greatly based on your specific needs.
