Home & Property Insurance

Homeowners insurance protects individuals who own homes against financial loss due to damage, theft, or liability claims. It typically includes:

home-insurance

Dwelling Coverage

Protects the structure of your home (walls, roof, built-in appliances) against risks like fire, windstorms, and vandalism.

Other Structures Coverage

Covers detached structures such as garages, sheds, or fences.

Personal Property Coverage

Protects belongings inside the home (furniture, electronics, clothing) from covered perils.

Loss of Use / Additional Living Expenses

Pays for temporary housing and living expenses if your home becomes uninhabitable due to a covered event.

Personal Liability

Covers legal costs and damages if you’re responsible for injury or property damage to others.

Medical Payments to Others

Pays for minor medical expenses if someone is injured on your property.

Optional Add-Ons

  • Flood or Earthquake Insurance (usually separate policies)
  • Scheduled Personal Property (for high-value items like jewelry)
  • Sewer Backup Coverage

Commercial Property Insurance

Commercial property insurance protects businesses against loss or damage to physical assets. It’s essential for companies with offices, warehouses, or retail spaces.

Building Coverage

Protects the physical structure of your business property.

Business Personal Property

Covers furniture, equipment, inventory, and supplies inside the building.

Business Interruption Coverage

Provides income replacement and operating expense coverage if your business is forced to close temporarily due to a covered event.

Equipment Breakdown

Covers repair or replacement of machinery and systems damaged by mechanical or electrical failure.

Outdoor Signs and Property

Protects signage and outdoor fixtures.

Extra Expense Coverage

Pays for additional costs incurred to keep your business running after a covered loss.

Optional Add-Ons

  • Flood and Earthquake Coverage
  • Inland Marine Insurance (for goods in transit)
  • Ordinance or Law Coverage (for compliance with updated building codes)
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