Our Main Services
Property Insurance
Property insurance provides protection coverage for owners and renters against loss that result from fire, theft, whether related and other damage. This type of insurance protects physical property and personal property. Mostly this coverage provide to value first party coverage.
These policies may cover only the cost of replacing or repairing with the original grade of materials. Your protection includes liability, personal items, structure and may offer coverage while in transit.
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Types of Property Insurance
Renter Insurance
HO 4 Form
If you are not the owner of the place you live, even if you are staying with family a renters insurance policy will be a good solution. This covers your personal belongings to the limit listed on your policy. It only covers your personal items and not the building also, it provide liability insurance in case someone is injured in your apartment and provide money for living expenses should you need to stay elsewhere temporarily.
Condo or Cooperative Insurance
HO 6 Form
This is a condominium or co-op insurance policy which is very similar to renters. The amount of coverage you’ll need in your condo policy can vary — it really depends on what’s covered by your HOA’s Insurance. Typically your condo policy includes personal property, loss of use, personal liability, medical payments, and loss assessment coverage.
Home or Landlord Insurance
HO-1,2,3,5,7,8 Forms
The kind of property that needs homeowners insurance depends on the type of property you own. The three types of property insurance coverage include replacement cost, actual cash value, and extended replacement costs. Most homeowners purchase a hybrid policy that compensates for physical loss or damage caused by 16 perils. It also provides liability coverage in case someone other than the property owner or resident family is injured.
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