Property Insurance
Property insurance that covers losses and damages to an individual’s house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property. Types of property insurance may include:
- Homeowners Insurance – Insurance protection for your most valuable asset.
- Condo Insurance – Condos have special needs – make sure your insurance is right!
- Renters Insurance – Inexpensive insurance options that make sense for renters.
- Landlord Protection – Renting your home? Protect yourself with landlord insurance.
- Flood Insurance – Insurance protection that covers what many homeowner’s policies don’t.
- Earthquake Insurance – Specialized insurance coverage for when an earthquake strikes.
Home Insurance Benefits
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Protection for your home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Personal Property Replacement
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Additional living expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Protection for you and others
Your personal liability coverage should be high enough to protect your assets if you are sued.Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process.
If you rent out your home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
