Home Insurance

 

Homeowners Insurance 

A comprehensive policy providing coverage against property and liability perils facing homeowners, including loss of use. In a disaster, loss of use can provide money for temporary housing. High-quality homeowners policies cover All perils, while others only cover "named" perils. This is an important distinction. Named peril policies are cheaper but cover less. Many policies advertised by online insurance companies are the "named peril" type. We also offer Landlord policies, for your rental properties.

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Condominium Owners Insurance

Though similar in personal property and liability coverage to homeowners insurance, structurally the condo owner's policy is from the "walls in" and does not cover the building itself.

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Earthquakes are not covered under standard homeowners, renters, or business policies. You must purchase extra coverage for earthquakes. Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by standard home and business insurance policies.

Some areas are known to be more earthquake-prone than others because they lie on major fault lines such as the San Andreas Fault in California, and the Madrid Fault in Missouri, or the Wasatch Fault in Utah. Other areas prone to earthquakes include the Pacific Northwest and the southern Appalachians. However, earthquakes also may happen along lesser-known or smaller faults – in fact, about 5,000 earthquakes occur in the United States each year. Depending on where you live, your mortgage company may require you to have earthquake coverage.

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