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There are a lot of choices on types and levels of coverage when it comes to homeowners insurance. That is why our agents take the time to get to know you and advise you on coverage to best protect your home, possessions and other structures on your property while making sure you get the best value.
Home insurance protects your home, garage and other buildings on the property, pending on the protection plan. This coverage insures against a loss of personal property for the items kept in your home or a rented home and most policies provide coverage for your belongings and additional locations.
Landlord insurance provides coverage that’s similar to homeowners insurance, such as dwelling coverage to protect your property in the event of a fire. However, landlord policies are written specifically to protect against risks landlords can face, such as injury liability or loss of rental income.
Your association may cover damage to the outside of your condo and common areas, but condo insurance ensures the inside is protected as well.
Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems or levee dam failure. In many places, a flood is considered a major event and the damage or destruction it causes are not covered if you do not get supplemental insurance.
Most renters insurance policies provide two basic types of coverage: personal property and liability. Personal property coverage pays to repair or replace personal belongings if they are damaged, desroyed or stolen. Liability insurance provides coverage against a claim or lawsuit resulting from bodily injury or property damage to others caused by an accident while on the policyholder's property.