Property Insurance

 We provide property insurance to cover all types of risks:

  • Homeowners
  • Condo 
  • Renters
  • Landlord

We also can provide flood insurance to protect your property from this devastating natural disaster.

 

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Homeowners Insurance

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:

  • Multipolicy discount by combining home and auto
  • Alarm system credit
  • Non-smoker
  • Claims-free

Other advantages you could enjoy include:

  • Up to $5000 for back up of water and sewer

Condo Insurance

Condo insurance will not only cover your contents, but it will cover the structure as well. Of course, all of this depends on how much coverage you purchase and whether you have any add-ons, known as endorsements, attached to your policy.

As a rule of thumb, all condo unit owners should maintain a dwelling limit that is 20% of the appraised market value.

Condo insurance also covers you for liability should someone be injured on your property. It will also cover damage to some of your possessions that are not located at your home. This includes damaged luggage on a trip or property stolen from your car.

Depending on the company you choose, you can get discounts for:

  • Multipolicy discount by combining home and auto
  • Alarm system credit
  • Non-smoker
  • Claims-free

Other advantages you could enjoy include:

  • All perils coverage
  • Increased levels of loss assessment coverage

Renters Insurance

Simply put, your landlord in not responsible for your personal possessions that may be stolen, lost in fire etc. For this reason alone, we encourage tenants to purchase a renters insurance policy because fires and thefts can happen at any time.

You should buy a policy that includes replacement cost coverage, providing full replacement cost of the lost items instead of the depreciated value items.

Another benefit of a renters policy is that it will provide you with Loss Of Use coverage. In the event of a loss, the policy will pay for your tenant’s hotel stay, food, etc until we can get you back into your apartment.

Depending on the company you choose, you can get discounts for:

  • Multipolicy discount by combining home and auto
  • Alarm system credit
  • Non-smoker
  • Claims-free

Other advantages you could enjoy include:

  • Replacement cost on contents
  • All perils coverage
  • Identity theft coverage

Landlord Insurance

If you own property that you rent out to others for income, it is important that you purchase a Landlord Insurance policy to provide the correct level of coverage.

A Homeowners policy does not provide coverage for properties that are rented out to others. Many people don’t know this important exclusion and leave themselves open to having a claim denied if there is a loss.

Depending on the company you choose, you can get discounts for:

  • Multipolicy discount by combining home and auto
  • Alarm system credit
  • Non-smoker
  • Claims-free

Other advantages you could enjoy include:

  • Replacement cost on contents
  • All perils coverage
  • Identity theft coverage

  • Large loss deductible waiver

Flood Insurance

Floods are the most common and costly natural disaster in the U.S., causing more than two billion dollars of property damage each year – generally not covered by homeowners insurance.

For individuals living on the coast, near the lake or riverside, the need for flood insurance is an obvious one. However, the threat of water damage is equally important to other homeowners. Nearby stream overflows, heavy rains accumulate in the backyard and water pours through basement windows and doors can affect any home.

For water and flood damage to your property and possessions, you will need a flood insurance policy.