Homeowner's, Flood & Renters Insurance

Home Owner's Insurance

Your HOME is probably your most valuable asset. You should have a homeowner policy that gives you the protection you need at the best possible price. Alotho your protection for your home, should not just be based on the premium.

What Does Homeowners Insurance Protect?

Each home insurance policy is different, but standard policies usually provide coverage for:

Damage to your home and any permanent structures on your property.
Damage to your personal property.
Coverage which is available for items stolen like art, jewelry and furs.
Additional coverage for valuable items can also be added to your homeowners policy
Libilty Insurance- protects you or anyone in your household that is accused of accidentally causing injury or damage to property, your insurance coverage can help by providing for legal defense fees and, in the event of a settlement or judgment, can pay damages (up to your policy limit).
Medical Payments- Guest medical coverage, included in most residential insurance policies, provides protection for your guests, should they be injured in or around your home accidentally.

Get peace of mind with homeowners insurance protection against fire, theft, vandalism and most weather-related events. and understand what your actually covered for when we quote you!

Flood Insurance

One of the most important ways to prepare for a flood is to buy a flood insurance policy. A flood insurance policy normally takes 30 days from the date of purchase to go into effect. So, don't wait until a flood is imminent to buy a policy.

Most homeowners policies do not cover flood damage. homeowner policies do not provide coverage for flood.

Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA).

Flood Insurance Program covers loss and damage to dwellings and or property caused by a flood. There are different policies for buildings and personal property contained within buildings.

Renters Insurance

Is the protection you need on your apartment or rental house — it covers your possessions —

What is Renters Insurance?

Renters insurance provides protection for yourself and your possessions. Similar to Homeowner Insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances.

Renters insurance typically provides coverage for specified items and situations, including:

Personal property (furniture, electronics, computer equipment, clothing, etc.)
Personal liability if someone is hurt, whether in your home or away from it
Damage to your apartment or home caused by a covered loss

your personal property inside your apartment will generally be covered if it’s affected by any of the following:

Fire
Smoke damage
Theft
Collapse of the building due to weather
Water leakage or overflow
Freezing of plumbing, air conditioning and more

With a renters insurance policy you will be protected from incidents exposing you to lawsuits that occur while you're at home, such as a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.

Your landlord's insurance policy only covers the building structure and not your personal property.

The average coast for renters insurance is 10.00$per month.

Call today to see how much coverage you need.