Homeowner

Protect your home from unexpected events like fire, theft, or severe weather with comprehensive homeowners insurance. Our policies help safeguard your property, personal belongings, and liability exposure. We also offer specialized condo insurance, flood insurance, and landlord insurance to cover various living situations. With customizable coverage options, you can tailor your protection to fit your unique needs and budget, including coverage for Tiny Homes, High Value Homes, and Coastal Homes. Additionally, renters insurance is available for those looking to protect their personal items in rental properties.

Renters insurance, similar to homeowners insurance and condo insurance, helps protect your personal belongings and the space you call home. In addition to coverage for your possessions, most policies, including flood insurance and landlord insurance, also offer personal liability protection, cover additional living expenses if you’re displaced by a covered loss, and provide medical coverage for guests injured in your residence.

Condo insurance is essential for protecting your unit and personal belongings from covered losses such as fire, theft, or vandalism. While your association’s master policy usually covers the building’s exterior and common areas, a condo insurance policy fills the gaps by covering your interior improvements, personal property, and liability. Just because you don’t own a house doesn’t mean you shouldn't safeguard what matters most. Your condo is your home, and it deserves the same level of protection as homeowners insurance provides. Additionally, consider flood insurance to protect against water damage, and if you're renting out your condo, landlord insurance can be crucial. Even if you're renting, renters insurance is a smart way to protect your belongings.

Owning a rental property can be a smart investment and a rewarding experience. Having the right landlord insurance in place is essential to protect that investment and allows you to focus on maintaining your property and supporting your tenants. A comprehensive landlord insurance policy can safeguard against sudden and accidental losses, covering expenses that may arise, including potential loss of rental income and the costs to repair or rebuild after damage caused by events like fire, storms, or other disasters. Additionally, it's important to consider other forms of coverage, such as condo insurance or flood insurance, to ensure all aspects of your investment are protected. In short, you gain added peace of mind knowing your property—and the place your tenants call home—is secure with the right insurance in place.

Repairing or replacing damage to your mobile or manufactured home after a covered loss can be costly and stressful. Just like condo insurance or homeowners insurance, mobile home insurance helps protect your home from certain risks or perils. It can also provide liability coverage similar to landlord insurance, in case you’re responsible for property damage or bodily injury to others. Additionally, if you live in a flood-prone area, having flood insurance can further safeguard your investment. With the right policy in place, whether it’s mobile home insurance, renters insurance, or another type of coverage, you can have peace of mind knowing you’re protected from unexpected expenses after a covered event.

A separate policy you can purchase in addition to your homeowners insurance, renters insurance, or condo insurance is flood insurance. This policy is specifically designed to protect your property from flooding caused by rain, overflowing rivers, or other water that enters your home from the outside—events that standard homeowners insurance policies typically do not cover. Flood insurance can help pay for repairs or replacement of your home and belongings after a flood, giving you financial protection against this type of natural disaster. Additionally, landlords should consider flood insurance to safeguard their rental properties under landlord insurance.

A home warranty helps cover the cost to repair or replace major home systems and appliances that break down from normal wear and tear. Unlike homeowners insurance, which protects against unexpected events like fire, storms, or theft, a home warranty focuses on everyday mechanical failures. While condo insurance, flood insurance, landlord insurance, and renters insurance offer protection for specific situations, a home warranty provides essential support for maintaining your home's systems and appliances.

Provides specialized protection for valuable items such as engagement rings, watches, necklaces, and other treasured pieces. While homeowners insurance or renters insurance may offer limited coverage for jewelry, a dedicated policy or scheduled endorsement can provide broader protection and higher limits. For condo insurance and landlord insurance, specific coverage options can also be tailored to protect your precious belongings, ensuring peace of mind even in the case of unexpected events like flood insurance claims.

Lowers the out-of-pocket amount you would pay if your home, condo, or rental property is damaged by wind or hail. Many homeowners insurance policies—especially in storm-prone areas—carry a higher percentage-based deductible for wind and hail losses. A buyback option allows you to “buy down” that deductible to a lower amount, often a flat dollar deductible similar to your standard all-peril deductible, which can also be relevant for flood insurance and landlord insurance.