A homeowners policy covers the structure, the things inside it, the cost of living elsewhere after a major loss, and your personal liability if someone is injured on your property. Condo owners need coverage that fits together with the association’s master policy. Renters need protection for belongings and liability that a landlord’s policy does not provide.
We review replacement cost, roof age, water backup, the association’s bylaws, and the valuables that need scheduled coverage, then compare carriers so you are not overpaying for a policy with gaps.
What home, condo & renters insurance can include
- Dwelling (homeowners)Rebuilds or repairs your home after a covered loss such as fire, wind, hail or lightning.
- Building additions & alterations (condo)Covers interior finishes, fixtures and improvements inside your unit that the master policy excludes.
- Personal propertyFurniture, electronics, clothing and everything else you own — at home or temporarily away from it.
- Loss of useHotel, rent and additional living expenses while your home is uninhabitable after a covered claim.
- Personal liability & medical paymentsProtection if someone is injured on your property or you accidentally cause damage to others.
- Loss assessment (condo)Your share of an association assessment after a covered loss to common areas.
- Optional endorsementsWater & sewer backup, scheduled jewelry and collectibles, equipment breakdown, identity theft and more.
Who this is for
- First-time buyers who need a policy before closing
- Condo owners whose coverage has never been matched to the master policy
- Renters whose lease requires proof of insurance
- Homeowners whose coverage has not been reviewed in several years
- Households with valuables that exceed standard policy limits
Common questions
What is replacement cost versus market value?
Market value is what your home would sell for. Replacement cost is what it would take to rebuild it with today’s labor and materials. Your dwelling limit should be based on replacement cost.
Is flood damage covered?
Standard homeowners, condo and renters policies exclude flooding from outside water. We can quote a separate flood policy if your property is at risk.
How much condo coverage do I need?
It depends on whether your association carries a “bare walls” or “all-in” master policy. We will read the bylaws with you and set your limits accordingly.
How much does renters insurance cost?
Policies are typically very affordable, and bundling with auto usually lowers both premiums. We will give you an exact figure in minutes.