Homeowners' Insurance

Homeowners insurance provides financial protection against disasters, insuring both the home itself and the contents.

Homeowners insurance also covers your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered, but there are exceptions. We'll be happy to explain yur options to tailor a policy for you..

Renters' Insurance

Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance.

Because renters insurance usually covers only the value of your belongings, not the physical building, the premium is relatively inexpensive.

Your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, and windstorm and water damage.

Like homeowners insurance, renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Renters insurance can also cover your additional living expenses if you are unable to live in your apartment because of a fire or other covered threat.