Home is where we feel safe. No matter where we go and how much we work, we always come back to our home to feel safe and relaxed. People spend a lot of money to buy their home and to renovate their home. And I understand that from the core, and that is why unlike other insurance providers I dig deeper into pertaining information of your home and suggest you the best coverage available in the market.
Type of home insurance products I provide
Tenants
Tenants policies will cover your contents when you rent out a place to live. Tenants package will include coverages such as liability (1 Million or 2 Million), what ever contents coverage you need and additional living expenses. I offer water damage coverage on top of your regular policy to make sure you are properly covered in the event of a water related loss.
Condominium
When you by a Condominium unit, you are responsible for whatever is inside four walls of your unit. You need to protect your belongings as well as your improvements and betterments. Condo insurance policies generally gives you liability protection (1 Million or 2 Million), coverage for your contents (as per your selection), additional living expenses (if due to an insured peril your place is inhabitable, the insurance company will provide you with hotel accommodation) and Additional Loss assessment.
Additional Loss Assessment will cover you for any losses to the common elements of the condo complex. Say for example there is a loss in the lobby of the condo complex and all the owners have to pay an amount to cover that loss, you can claim the amount from your condominium’s unit insurance.
Water Damage Coverage: if there is a loss due to sewer back up or overland water (flood) coming inside your Condo, your contents will be protected.
I also give your single limit of insurance, meaning if your contents coverage is absorbed while resolving a claim, extra costs such as delivery fees and removal fees can be covered from single limit of insurance.
Homeowner’s Insurance
Homeowner’s insurance gives you coverage for ALL RISK to the structure of your home and your contents. Guaranteed replacement cost and all kinds of water damage coverage is included to your policy automatically. Homeowner’s policy covers your contents, additional living expenses and personal liability as well. I also sell umbrella coverage that protects your home, auto and contents for any kind of liability as a blanket coverage.
Rented Dwelling Insurance
If you have a investment property, that can be covered through insurance also. Investment properties or rented dwellings can have coverage for All Risk or named perils as you wish. It protects your rental income as well in the event of an insured loss.
Rented Condo
If you have a rented Condominium unit, that is rented out all through the year, you can protect that rental property as well. Rented condo covers you for additional loss assessment, contents as well as personal liability that can arise from the premises.