Homeowner
Homeowners insurance is designed to bring your home and possessions back to the same condition they were in before a loss occurred. It will also cover your liability or legal responsibility for any injuries you or members of your family cause to other people, including injuries caused by the family pets. Your home is your largest and most important investment and each home is unique in its own way, our agents will take the time to determine specific needs and will design a customized program to serve you best.
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Condominium
A common misunderstanding among condo owners is that if the building is covered under the association then they are protected from potential losses. This is incorrect...the Condo Associations cover the property, common areas and the physical structure of the building. Rule of thumb, condo owner is usually responsible for inside walls, their personal property and their own liability. When in doubt, let us at the agency look over the association's by laws so we make sure that the insurance coverage is exactly what you need, again to give you peace of mind that you are covered correctly.
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Flood
A flood is a general and temporary condition where two or more properties are inundated by water or mudflow. Many conditions can result in flood: hurricanes, overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall. A misconception of flood often is back up of water from a broken washing machine or a toilet over flowing, that is not a flood and would be covered under your normal homeowners policy. A flood is usually rising water from outside coming into your home due to large amount of rainfall, then needing the coverage under a Flood Insurance Policy. The Flood Insurance Policy is a separate policy whose coverage depends on several factors most importantly, your Flood Zone rating.
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Rental Property
As a Rental Property owner, you need to be aware that your homeowners insurance policy does not protect your rental property. It must have a policy as a Rental, sometimes known at a Commercial policy. It protects your property (structure), investment from certain types of damage and liability unique to landlords. A Rental Property policy can also prevent a loss of income if your property cannot be rented because of a covered loss. We can review all the options and endorsements with you to find the ones that fit your needs.
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Renters Insurance
More and more you will find today, a requirement from rental agencies and apartment complexes for you to carry Renters Insurance. This is a good thing and feel that every renter should carry Renters Insurance. This is what is going to cover all your personal contents, temporary housing in case of a loss and will act as primary liability protection.
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2nd Home/Seasonal Home
Seasonal/Secondary Homes are great investments, but insuring one is a bit different than insured your primary home. How you insure your second home varies per Insurance Companies. Our licensed agents will be able to help find the right policy for the most competitive price.
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Mobile/Manufactured Home
Manufactured/mobile home insurance is different than your traditional homeowners insurance. It is similar to the homeowners policy, with two major differences. The construction and valuation of the home over time. With this type of home, it usually depreciates or loses value over time, which could cause the insurance rate to change.
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Course of Construction
If you decide to build your own home, many builders will require you to purchase a course of construction or builders risk policy to cover the home while it is under construction. This policy will include covering the construction material if stolen. Once the home is completed it then would change into the normal Homeowners policy as you know it.
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Personal Articles
A standard homeowners policy may not have as much coverage to replace your treasured items, from Jewelry to collectibles. You may need a personal articles policy or add them as schedule items on your homeowners policy. If you have antiques, jewelry, instruments, fine art, stamp/coin collections, silver please make sure to let us know so we can make sure to cover them correctly.
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Personal Umbrella
An umbrella policy protects your existing and future personal assets against the cost of losing a lawsuit due to an accident in your vehicle, recreational vehicle, or home. Unfortunately, one accident can cost millions, this is a way to give you more coverage than what your auto or home policy includes.
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