Homeowner's Insurance and Renter's Insurance covers the cost to repair your home, condo, and your personal property if they were to be damaged in a fire, natural disaster, or even theft.
Both policies include Personal Liability coverage as well. Personal Liability coverage protects against bodily injury or property damage claims made against you by others. We recommend carrying Personal Liability coverage at the highest limit available, usually $500,000 or $1,000,000 if your carrier will allow.
Homeowner's policies also cover Loss of Use or Additional Living Expenses incurred for temporary accommodations while your home is being rebuilt.
Both policies include Personal Liability coverage as well. Personal Liability coverage protects against bodily injury or property damage claims made against you by others. We recommend carrying Personal Liability coverage at the highest limit available, usually $500,000 or $1,000,000 if your carrier will allow.
Homeowner's policies also cover Loss of Use or Additional Living Expenses incurred for temporary accommodations while your home is being rebuilt.
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In addition to your standard underlying coverage, we can help you with complex policies specific to your needs:
Personal Property Dwelling Flood Liability Protection Medical Expense Fire Natural Disasters Additional Living Expenses (ALE) Replacement Costs Vandalism Neglect Personal Liability Loss of Use Identity Theft |
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Our partners at Travelers Insurance Company have more than 3 decades of experience in the homeowners industry. Take a look at their website to learn more about homeowners insurance. |
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Our partners at Travelers Insurance Company have more than 3 decades of experience in the renters industry. Take a look at their website to learn more about renters insurance. |
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Insurance Information Institute has a lot of useful and informative information on homeowners insurance. Please click on the image to learn more. |
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Nationwide has a lot of useful and informative information on renters insurance. Please click on the image to learn more. |
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Blog Articles on Homeowners Insurance
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Prepare Customers for Freezing Temperatures
It is that time of year again. Winter often brings glacial temperatures and when temperatures start to tumble, the water that supplies your home’s faucets and fixtures can be in the danger of freezing inside of the pipes. Because water expands as it turns into ice, frozen pipes are prone to bursting, which can result in costly water and plumbing damage throughout your home. At the highest risk of freezing are pipes that run along exterior walls of your home and those in unheated or uninsulated places, such as attics, basements, or garages. |
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Inflation: A Pickle for Property Insurance
All of us are feeling the grip of inflation. Building materials costs have spiked over the last 2 years. Supply chain disruptions and labor shortages are causing major delays in construction projects. As a result, it now costs more to rebuild your home than it did before. When was the last time that you checked your policy limits? Are they high enough to cover a 26% increase in building costs? If not, then you have to pay the difference out of pocket. |