Home Insurance

Home, condo, and renters insurance all provide protection for personal property and liability, but they differ in what they cover based on the type of dwelling. Homeowners insurance covers both the structure of the home and the personal belongings inside, while condo insurance typically covers the interior of the unit and personal property, leaving the building structure to the condo association’s insurance. Renters insurance, on the other hand, focuses solely on personal belongings and liability, without covering the building itself. In all cases, policies can often be tailored to include additional coverage for valuable items like jewelry, electronics, and collectibles, ensuring these high-value possessions are fully protected in the event of theft, damage, or loss

Landlord, mobile home, and park model insurance each offer specialized protection tailored to different types of property ownership. Landlord insurance covers the physical structure of rental properties, liability for injuries on the premises, and loss of rental income due to damage or disaster. Mobile home insurance protects against similar risks but is specifically designed for mobile or manufactured homes, covering both the structure and personal belongings inside. Park model insurance, designed for homes located in mobile home parks or recreational areas, offers similar coverage but may also address the unique risks associated with living in a park environment, such as community-specific liability. Each of these policies helps protect owners from financial loss, tailored to the unique needs of the property type.