HOMEOWNERS INSURANCE

Homeowners insurance provides both property and liability coverage. Property coverage insures residential dwellings, contents and other types of personal property as well as loss of use of the dwelling. Personal liability coverage is designed to protect you from claims or suits (defense costs) that result from property ownership and personal activities alleging your liability, even if the charges are fraudulent.

Renters Insurance

Renters insurance is similar to homeowners insurance. It covers property and personal liability if you are a tenant of a residential dwelling, condo or apartment. Defense costs coverage is also included.

Dwelling Fire

Dwelling fire policies cover one-four unit residential dwellings occupied by owners or tenants. Coverage is similar to homeowners insurance.

Personal Articles Floater / Scheduled Personal Property Endorsement

Homeowners policies protects common exposures faced by a typical homeowner. However these policies have exclusions and limitations for some types of property particularly susceptible to loss or difficult to value such as high value jewelry, furs, silverware, guns, fine arts etc. Scheduled personal property endorsement can be used to overcome many of these limitations.

Personal Umbrella

Whether it’s termed personal umbrella, personal excess liability or personal catastrophe liability this type of coverage provides additional limits of liability insurance in the event that your underlying policy limit is exhausted. Underlying policies consist of personal liability, personal auto liability, personal watercraft liability, etc.