Homeowners insurance provides coverage to repair or rebuild your home after events like fire, smoke, theft, vandalism, a falling tree, or damage caused by weather such as lightning, wind, or hail. Personal liability coverage and medical payments coverage are provided as well as protection over your property. This is important to review with your agent!
High-value home insurance is a type of homeowners insurance that is specifically designed for high-value homes, typically defined as property worth $500,000 or more. It's one of the most comprehensive insurance packages available, generally providing better quality coverage than a standard homeowners insurance policy.
High Value Home
Coastal homeowners insurance reinstates that coverage to ensure that you are always fully protected from any storms, weather, or hazards you may encounter. Since your home is more prone to these risks, you need insurance coverage that can best address these hazards with appropriate coverage limits and fair premiums.
If your mobile home or its contents sustain physical damage from perils such as fire, hail, theft or vandalism, the costs of repairs or replacement are typically covered by a mobile home policy. Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered.
Condo insurance is coverage that helps protect against losses and repair costs for a condominium unit. Condo insurance often provides protection for theft, vandalism, fire damage, water damage, and more. This policy usually covers from the walls in but can be modified to cover the exterior as well.
Rental property insurance, also called landlord insurance, covers the unique risks taken in renting out your home or condo for long periods of time. Its coverage includes property damage, liability costs and loss of rental income for landlords renting their property.
Short Term Rental
Short term rental coverage fills in the gaps between a homeowner's policy and a landlord policy. A good short term rental policy will cover the loss of your income if your property cannot be rented due to damages, and the resulting repairs needed to make it occupancy-ready.
Vacant structure insurance (also known as vacant home, vacant dwelling or vacant property insurance) is defined as coverage that protects an unoccupied structure during vacancy, should it sustain physical loss or damage from a covered loss.
Umbrella insurance may provide coverage when your homeowners, auto, and boat insurance policies limits are exhausted. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.
The personal articles policy ensures that your items are covered for theft, loss or misplacement, as well as mysterious disappearance. The rule of thumb is that it's covered for everything except for what's specifically excluded. These exclusions usually include wear and tear, or unlikely events.
Flood insurance covers losses directly caused by flooding. ... Property outside of an insured building. For example, landscaping, wells, septic systems, decks and patios, fences, seawalls, hot tubs, and swimming pools. Financial losses caused by business interruption.