Primary Home
If you own a home, homeowner’s insurance is a necessity, whether you have a mortgage on the property or own it outright. Homeowner’s insurance provides the basic protection you need for:
- Your home
- Other buildings or structures on your property
- Your personal belongings—furniture, clothing, appliances, etc.
- Additional living expenses you may incur while your home is uninhabitable or under repair after a loss
- Your personal legal liability for accidents or injuries occurring on your property
Condo Insurance
When you buy a condo you are told there is a “Master” policy covering the condo and you are responsible for the inside. But what exactly does that mean? Do you really know what your personal condo policy is covering? We will help you make sure you understand your condo bylaws and properly protect your betterments and improvements inside the condo as well as your personal property. Understanding your condo bylaws and your personal condo policy will bring you peace of mind at the time of a loss.
Renters’ Insurance
The Renter’s Insurance policy is more than just coverage for your personal property. Did you know that you will automatically be provided with liability coverage? Liability coverage provides both legal costs and payouts for which you could be found legally liable. This inexpensive policy also provides you with additional living expenses, should the apartment you are renting become temporarily uninhabitable. Whether your landlord is requiring this coverage or not, anyone in a renting situation should purchase a renter’s policy.
Seasonal Homes
Like your primary home, additional properties you may own for your own use, such as a seasonal or vacation home, are just as much in need of coverage. Seasonal homes have all of the basic coverage needs that your primary home has. However, they may also have some special vulnerabilities such as being left vacant for much of the year, proximity to weather-related hazards, or liability for injury to guests or renters. Our specialists will assess the coverage needs for any seasonal properties you own and recommend coverage that optimizes protection and affordability.
Landlord Insurance
If you own properties that you rent permanently to others, you need insurance not only on the property itself but also coverage for other risks that come with being a landlord. Like a homeowner’s insurance policy, Landlord Insurance covers the dwelling itself. But landlord insurance policies also often cover certain hazards such as damage that a tenant might accidentally do to a property. Coverage may also include landlord-specific liabilities, such as injuries to tenants or visitors caused by a maintenance issue. Optional coverage may also be available, such as protection from losses due to burglary or vandalism. If you’re a landlord, our specialists will conduct a detailed review of your needs and work tirelessly to find a policy that offers the right protection at a reasonable cost.
Vacant Property Insurance
A home that is unoccupied has special vulnerabilities, such as vandalism risk. Yet scenarios can come up for any owner that may result in a property being temporarily vacant. Among those situations are looking for a replacement for a tenant who has left, keeping a home you have already vacated on the market while awaiting an offer at the right price, or starting a new job out of town before your home is sold. While owners sometimes find it difficult to obtain coverage for vacant dwellings, our insurance specialists will put their depth of knowledge and industry contacts to work to find a solution.