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Insurance Products

Homeowners Insurance

 

Homeowners Insurance

Howmowners Insurance Home insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurances excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets. Homeowners Insurance is designed to protect you, your family and your home and it contents from a broad range of potential hazards. We recognize that each situation carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your home to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Renters Insurance

renters Renters Insurance:If you rent an apartment or a house, you are responsible for liability coverage and for insuring your personal belongings. Liability coverage protects renters the same as it would if you were a homeowner. The owner of the building is responsible for insuring the building and for obtaining their own liability insurance. The tenants form, for renters, (HO 0004) insures your household contents and personal belongings against the same perils as the homeowners form HO 00 02, (shown in the coverage chart below). It also provides additional living expense coverage and personal liability protection. Renters Insurance is designed to protect you, your family and your home and it contents from a broad range of potential hazards. We recognize that each situation carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your rental situation to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Condominium Insurance

condo Condominium Insurance:Your condominium association should buy a policy that covers the building, including any common walls, and grounds, including liability associated with common properties.To protect your contents and interior walls, you may buy a Unit-Owners Form (HO-6). An individual unit-owner policy is similar to home insurance and renters’ insurance. Condominium Insurance is designed to protect you, your family and your home and it contents from a broad range of potential hazards. We recognize that each situation carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your condominium to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Flood Insurance

Copy of flood Standard homeowners insurance policies typically do not cover floods although, In certain flood-prone areas the Federal Government requires flood insurance to secure mortgage loans backed by federal agencies such as the FHA and VA. The lack of flood insurance can be detrimental to many homeowners who may discover only after the damage has been done that their standard insurance policies do not cover flooding. Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from ANY SOURCE, and mudflows. This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes. Flood Insurance is designed to protect you, your family and your business from a broad range of potential hazards you face in your day-to-day operation. We recognize that each industry, corporate structure and culture carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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