The Coverage

Wherever you live, you need the protection of a homeowners insurance policy. These policies cover home, apartments, renters, and owners alike. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other peril. The policy will also be your first line of defense against a lawsuit from someone injured at your property.

Home Insurance

Whether you have a single family home, townhouse, condo, seasonal home, or other, having it properly insured is at the upmost importance. What would happen if a disaster struck at your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs? These questions are crucial to address and it is our job to make sure they are addressed properly. We take the time to not only make sure you have the right coverage, but that you have a carrier that will have your back.

Condo/Townhouse Insurance

This insurance provides coverage for your unit where your HOA's insurance stops. Your association typically insures the building and other common areas, but not your interior or upgrades. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association’s insurance probably will not cover. Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and by-laws carefully to figure out exactly what coverage you need.

Landlord Insurance

There are more than 11 million landlords in the U.S. with a new rental unit hitting the market every 80 seconds, according to statistics from the Rental Protection Agency. While the number of rental units grows, so does the responsibility of owning a rental property. You not only have to find good tenants, but you're responsible for the property’s upkeep and maintenance too. What if the property is damaged in a storm, or is vandalized? To ease owners’ concerns and provide protection for situations that are beyond their control, you need to get landlord insurance.

Renters Insurance

Protect your belongings and help pay for unexpected expenses with affordable renters insurance. In addition to your belongings, renters insurance can pay for medical bills if you're responsible for someone else's injuries at your residence, and temporary living expenses if you're forced to live elsewhere because your home is uninhabitable due to a covered incident.