Homeowners insurance covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or your household family members or pets caused to other people. It also coverage additional living expenses in case of a claim that will not allow you to live in your home while repairs or replacement is taking place. Homeowners insurance is designed to put your home and possessions back in the same condition they were before the loss occurred.
Why purchase homeowners insurance?
Homeowners insurance provides protection against disasters. Anyone who owns or leases property should have this type of insurance. ( If for no other reason than the liability protection) Mortgage lenders require you to obtain mortgage insurance to obtain a loan.
Condominium Owners Insurance
We understand your specific insurance needs as a client owning a condominium. We represent companies that offer coverage for condominiums used as primary, secondary homes, as well as for the long or short-term rental. Condominium coverage bridges the gap between the condo association’s master policy and the owners’ personal property and personal liability protection.