Home Insurance
Home Insurance, Condominium Insurance, Renters Insurance, Landlord Insurance, Fire Insurance, Liability Insurance, Flood Insurance
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Homeowners Insurance
We know you have a busy life and that there are a hundred things you’d rather be doing than reading about homeowners insurance. That’s why we’ll keep this short and simple.
We Understand the Demands of Owning a Home
It’s really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important, because chances are your home is likely one of your largest investments.
Determining Your Home Insurance Needs
Whether you’re a home or condo owner, landlord, or renter, you want protection for your assets, yourself, and your guests. The replacement value of your home, its age and safety features, and the value of your belongings should all be considered when determining your homeowners coverage needs.
Your Coverage Options
Homeowner’s insurance protects you in case of damage to your dwelling or property, injury to your guests, or events for which you may be held liable for injuring another person or damaging their property. A typical homeowner’s policy contains these standard coverages and may provide you with options to purchase additional coverages. You may also request an increase in limits if you’ve renovated your property, or have special possessions like art, jewelry or other collectibles for which you’d like extra protection. Choose the policy that’s right for you, with our help.
Get Started
- Work with an independent agent. They help you identify the best combination of home insurance coverage, value, and price. And they work with you to keep your insurance coverage current with your changing needs. You should communicate with your agent often, and alert him or her if you think you need additional insurance to cover recent improvements you’ve made to your dwelling, or recent large personal property purchases.
Renters Insurance
If you’re a renter, you may not be thinking about insurance, since the building you live in is covered by your landlord’s insurance policy.
Protection for Less
Renters insurance protects the things that matter to you—like your clothes, furniture, and electronics. It also protects you with liability coverage.
Your Coverage Options
The things you own, the value of your possessions, and whether you have safety systems like fire or burglar alarms can all make a difference in your renter’s insurance policy choice. We can help you find a policy that best meets your needs.
Landlord Insurance
You need to feel confident that all you've worked for is not at risk. Whether you own one rental property or several, we'll be there to make it right if it is damaged as a result of a covered event. And we'll also help you get your rental property back to generating revenue as quickly as possible.
Coverage Options
Rental property is a great investment, especially if you protect your assets with excellent coverage and the advice of an experienced independent agent. Make sure that you and your property are covered when choosing a landlord protection insurance policy. Learn more about your coverage options.
How to Get Renters Fire Insurance
eHow Personal Finance Editor
This article was created by a professional writer and edited by experienced copy editors, both qualified members of the Demand Media Studios community. All articles go through an editorial process that includes subject matter guidelines, plagiarism review, fact-checking, and other steps in an effort to provide reliable information.
By an eHow Contributor
Get Renters Fire Insurance
Fire insurance is a standard part of your renters insurance policy. It covers loss or damage to your belongings from fire or smoke damage. For the most part, insurance companies do not just write fire insurance for renters. Instead, they usually include it as part of a basic policy that covers loss or damage from multiple causes.
Instructions
Things You'll Need
- Itemized list of your belongings
1. Reduce Your Fire Risk
o 1 Learn the keys to reducing your fire risk and, at the same time, reduce your renters insurance premium.
o 2 Choose your rental property in an area that is within 10 miles of a fire station, has a good water supply, has a fire-safety perimeter around the building and is constructed with fire-retardant materials, such as brick, cement block and fire-retardant insulation.
o 3 Have fire-safety devices in your dwelling. Fire-safety devices include smoke detectors, fire alarms, fire extinguishers and internal-sprinkler systems.
o 4 Determine and practice what you will do in case of a fire. Allow contingencies for pets, small children and special items, like family photographs, that are not replaceable.
2. Get Fire Insurance for Renters
o 1 Estimate the value of your belongings from an itemized list, and determine whether you want renters insurance based on the actual value (the cost of your belongings minus depreciation) or the cost to replace the item. Actual value policies have lower premiums, but they do not completely replace items lost in a fire.
o 2 Contact a licensed, reputable insurance agent, and get a renters insurance quote.
o 3 Ask whether you are eligible for a policy discount based on your age or vocation. You may even be eligible for a discount based on the number of years that you have been with your company.
o 4 Compare quotes and terms at NetQuote.com (see Resources below).
o 5 Determine which policy best fits your budget and needs. Contact a representative to get your renters insurance policy.
3. Make a Fire-Safe File
o 1 Take your itemized list of belongings and document each item with a photograph, video and sales receipt.
o 2 Send your documented, itemized list to a friend, store it in a fire-retardant file cabinet, or archive it with an organization that can ensure its safety.
o 3 Include a backup of family videos, photographs and memorabilia that cannot be replaced.
o 4 Update your fire-safe file annually, ensuring that you have a complete list of the things you own and memories you cherish.
How to Determine if You Should Have Flood Insurance
By braniac, eHow User
Don't wait until a flood happens before deciding on buying flood insurance.
Flood insurance is necessary for people who live in flood zones around the U.S. Unfortunately, even though over 20,000 communities are considered flood zones, only about 17% of Americans have flood insurance. People who live in designated flood zones are required to have flood insurance if they carry a mortgage on their homes. However, many people who own their homes or rent don't have flood insurance, and those are the people who suffer the most in the event of a flood. Here is how you can determine if you should have flood insurance.
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