Homeowners, Condominium Unit Owners and Renters each have unique needs when it comes to insurance. Home insurance can help with your peace of mind, knowing that in the event of a covered loss, your damaged home can be rebuilt and your destroyed belongings can be replaced.
We can provide home insurance quotes from insurers offering the best coverage and the best rates. We'll go over the quotes with you and help you decide which coverage options best protect you and your property. Simply select the type of property you need insured, to get started. The quotes are free and you are not obligated in any way.
Types of insurance coverage we provide, include:
Dwellings and other structures
For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for many types of damage except for some exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
Dwelling Improvements, Alterations, and Additions
Condominium owners are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.
Condominium owners will also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.
Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace them.
In the event someone is injured or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage* should this ever occur, subject to some exclusions.
*Only up to the limits of the insurance coverages purchased.
What if I don't have insurance?
Without insurance, you'll be responsible for protecting your property, possessions and liability exposure. For instance, if your house burns down or is destroyed by a tornado, you'll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something happens?
Something else to consider: if someone is injured, they may sue you for injuries and damages they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.