There are a wide variety of homeowners policies and sometimes it can be overwhelming figuring out exactly which one is best for you. Different types of homes need different types of coverage. The occupancy of the home is also a factor when determining which policy and company is the best fit for you. With our access to multiple carriers, we are equipped to help you with homeowners coverage personalized to your needs.
- Primary Homes: Owner occupied homes that are occupied 9+ months of the year.
- High Value Homes: Homes that have an estimated replacement cost of $250,00o+.
- Long Term Rental Homes: Rental homes that are rented with long term leases of one year or more.
- Short Term Vacation Rental Homes: Rental homes that are rented for shorter amounts of time, usually a week or two.
- Secondary Homes: Homes that are not rented out to others and are owner occupied for shorter amounts of time during the year. They may be used as a seasonal residence.
- Older Homes: Older homes have unique concerns of their own due to age and different construction materials, regardless of their use and occupancy.
- Townhomes and Condos: Regardless of occupancy and use, townhome and condos both have unique needs when the structure is insured by your HOA.
If you are not a home owner, we can help protect you and your family with renters insurance to cover your personal belongings and liability exposures. We are happy to help you find what best protects you and your family.