Whether you own or rent the property that you live in, you need to have home insurance coverage to guard against disasters and losses. It is important to understand the basic components of some of the major types of home insurance available.

• HOMEOWNERS POLICY - A homeowners policy provides coverage for someone that owns their home. The policy will typically protect both the structure itself, as well as the contents inside. A homeowners insurance policy can also provide coverage for things like personal liability, medical payments, and loss of use. Your home is most likely going to be one of the largest and most important investments you will ever make, so you want to make sure you have enough coverage to re-build in the event of a total loss.
• RENTERS POLICY – A renters insurance policy provides coverage for your personal property when you are renting a home or apartment. This type of policy can also include additional coverages, such as personal liability and medical payments. Even though your landlord will typically have a dwelling policy on the structure you are living in, it does not cover your own personal items as a renter, which is why renters insurance is so essential.
• CONDO UNIT OWNERS POLICY – A condo policy can provide coverage for the interior of your condo, as well as your personal property inside. This type of policy can also include coverages such as personal liability protection and loss assessment coverage.

After learning about some of the types of home insurance available, you are probably ready to figure out what kind policy will work best for your situation. Our independent agents can gather multiple quotes from reliable, top carriers. Amazingly, it is possible to save hundreds of dollars, or even more, simply by choosing one insurance company over another. Working with one of our independent agents will give you the power to compare all the best policy options and help you to choose an affordable policy that works best for you!