Homeowners Insurance
The right amount of coverage for your home is one of the most important decisions you make when purchasing a homeowners insurance policy.
DWELLING COVERAGE
Protects the structure of your house, such as the roof and walls.
Personal property coverage
Protects what’s inside your home, like furniture, even if it’s damaged or stolen outside the house.
Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage.
Flood Insurance
Flood insurance provides coverage against property loss from flooding.
Liability protection
Defends and protects you if a person sues you after being injured on your property or after you damage their property.
Medical Coverage
Pays medical expenses for someone who’s injured on your property.
Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss.
Renters Insurance (HO4)
A renters insurance policy is a group of coverages designed to help protect you and your belongings. A renters insurance policy includes liability coverage, protection for your belongings and coverage for additional living expenses, should the home you’re renting become temporarily uninhabitable.
Condominium
Condominium insurance, also called an HO-6 insurance policy, is similar to homeowners insurance in that it covers your personal property, liability and some structural elements of your home. However, condo insurance is commonly described as «walls-in coverage,» as it offers limited protection for damage to the building that occurs outside your condo.
Townhouse
Townhouse insurance is similar to homeowners insurance. Even though you share common walls, you are responsible for all the property inside and outside, including the ground under your townhouse.
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