There are different types of HomeOwners Insurance. Here at our agency we write mostly Reconstruction Cost policies but we also offer alternative products. If you would like additional information on some of the other products we offer please give us a call or Email one of the agents here.
separate structures, such as a detached garage. Your home or Condo should be insured for what it cost to reconstruct it TODAY.
BUILDING PROPERTY: Condo associations all have different policies. If you need to cover studs in or upgrades building property covers anything to the building such as wall coverings, flooring, fixtures, etc.
PERSONAL PROPERTY: Covers your personal property(clothes, computers, dishes,furniture, etc.) for the cost of repair or replacement without deduction for depreciation. Property is covered anywhere in the world.
OPTIONAL PERSONAL PROPERTY COVERAGE: Riders for high dollar items such as jewelry or artwork is available. Scheduled (appraisal required) and unscheduled coverage is available.
MEDICAL EXPENSES TO OTHERS: Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.
LANDLORD POLICY COVERAGE: Loss of rents covers lost renal income if a covered loss makes your rental dwelling unfit to live in. Business Liability pays when you’re legally liable for bodily injury, personal injury or property damage arising out of ownership, maintenance or use of your rental dwelling.
OTHER COVERAGE: Several other coverages such as Personal Injury, association loss assessment, back up of sewer and drain and building ordinance are available. Ask us about other coverages today!