15 E. Front Street,
One of the biggest financial investments you’ll ever make is owning your home. It’s crucial you insure it properly and make sure there are no holes or gaps in the policy. That’s where we come in. We strategically review your unique situation to make sure you are properly protected, to the extent that no sudden loss should ever financially burden you.
A standard homeowner insurance policy will cover the physical dwelling, the personal property within the dwelling, and personal liability if someone is injured at your home.
But there are additional endorsements a homeowner should seriously consider adding to their homeowner policy.
When considering filing a claim, be sure to contact us so we can educate you on what would or would not be covered.
Most Common Homeowner Claims not Covered:
It’s important you remember that homeowner policies are designed for losses that are sudden or accidental. Homeowner insurance is not for wear-and-tear issues. All insurance companies expect the owner to maintenance their home routinely. Flood insurance is a completely separate policy which may cover the damage to your contents and structure of your home.
Let's set up a meeting to discuss what protection is best for you.
For condo owners, your condo association will have a master policy that will cover the property, common areas and physical structure of your building. However, the contents of your condominium, such as your carpet, your clothes and your furniture are not covered.
That’s why you need condo insurance.
Know What Typically Is Covered in a Condo Insurance Policy:
Homeowner policies only apply to owner-occupied homes, meaning, the owner of the property must live in the residence. Once you decide to rent your residential property to a tenant, the homeowner policy no longer provides coverage. A Landlord policy is exactly what you need.
What’s Usually Covered By Landlord Insurance:
Extra Landlord Coverages to Consider:
What’s Usually NOT Covered By Landlord Insurance:
Let’s discuss your Landlord policy today!
*We also provide renters insurance policies.