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HomeOWNERS Insurance

For most people, their largest financial asset is their home. Just like an annual appointment with a financial advisor or tax professional helping you manage your finances; it is important to regularly review the coverage you have on your home with your insurance agent. When people shop for home insurance, they should be aware that the various policies are not all created equal and that a "one size fits all" approach to coverage is not recommended with so many different options. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage that is tailored to your specific needs which will guard against unforeseen events.

Homeowners, Condo, and Renters Policy Types: The Differences

A homeowners policy is for people who own their own home. This may be either a house or a condominium. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes and flood may be excluded but you may add extra coverage) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items but it is important to review items with your agents that may need to be scheduled.

With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.

You may be very surprised to see the range of premium when it comes home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you obtain quotes only from reliable carriers with financial ratings you feel comfortable with. As your local independent agent, we are a great resource for this and can provide multiple quotes. As your independent agency we give you the power to compare all the best policy options!