Property Insurance
Home
Homeowners insurance is a type of protection that helps cover the cost of damage to your home and belongings due to events like fire, storms, theft, or vandalism. It can also cover expenses if someone gets hurt on your property. Most policies include:
- Dwelling coverage – pays for repairs to your home.
- Personal property coverage – protects your belongings.
- Liability coverage – helps if you’re legally responsible for injuries or damages.
- Additional living expenses – covers costs if you need to live elsewhere while your home is being repaired.
You usually pay a monthly or yearly premium, and if something happens, you may pay a deductible before insurance helps with the rest.
Renters
Renters insurance is a type of insurance policy that protects people who rent their home. It typically covers:
- Personal Property – Pays to replace your belongings (like clothes, electronics, or furniture) if they’re stolen, damaged, or destroyed by events like fire or theft.
- Liability Coverage – Helps cover costs if you accidentally damage someone else’s property or if someone gets hurt in your rented home and sues you.
- Additional Living Expenses – Pays for temporary housing and other costs if your rental becomes unlivable due to a covered event (like a fire).
Renters insurance is usually affordable and gives peace of mind by protecting your belongings and finances. It doesn’t cover the building itself—that’s the landlord’s responsibility.
Manufactured Homes
Mobile Home Insurance protects your mobile or manufactured home from damage caused by events like fire, storms, theft, or vandalism. It can also cover your belongings inside the home and provide liability coverage if someone gets hurt on your property.
Personal Articles
Personal Articles Insurance helps protect your belongings—like furniture, electronics, clothing, and other personal items—if they are damaged, destroyed, or stolen that may not be part of a homeowners, renters, or condo insurance policy.