QUOTE

Protect your assets with an agency you can trust. The first step is with a free quote. 

HOMEOWNERS INSURANCE

Homeowners insurance helps minimize repairs, replacement costs and living expenses if something happens to your house or townhome.

Basic Coverages

Homeowners insurance protects you and your family in losses involving your home and personal property. 

  • Your Dwelling is covered under your policy and includes your home and attached structures such as a garage or deck.

  • Other Structures are covered under your policy and include structures such as a garage, pool, or storage shed that are separate from the house.

  • Personal Property such as furniture and other contents are typically covered. 

  • Family liability insurance protects you if you or your family member is found responsible for injuring someone else or damaging someone else's property, on or off your property.

Popular Add-Ons

Below are a few of the optional coverages that you may be able to purchase either as add-ons to a Homeowners policy or as a separate policy. ​

  • Scheduled Personal Property: Extended coverage on jewelry, watches, furs, etc.

  • Identity Theft Restoration

  • Water Backup

  • Increased coverage on business property

HOMEOWNERS INSURANCE

More than just a Mortgagee Requirement

Real Estate Investment Property Insurance

Homeowners Policies come in a variety of flavors with Investment Properties.

Take a look at an overview below and contact an adviser for more information. 

Long Term Leased or Landlord Properties

Traditional Landlord properties are nothing new for Real Estate Investors - this is reflected in a mature Insurance Market. If you are not shopping your policy on renewals, you're doing your monthly cashflow a disservice. Our agency has access to over a dozen markets: let us find the best policy for you. 

Vacation or Short-Term Rentals 

AirBNB or HomeAway, anyone? If you're considering renting your investment property on a Vacation or Short-Term Lease basis, be sure to select the correct insurance policy. Foremost Insurance, one of the carriers we represent, offers a competitive product. 

Rental Properties

Vacant Property or Home

Looking to flip a property with minimal rehab? Maybe it's your 1st flip? Maybe your 50th? Vacant Property Insurance is popular for Real Estate investors. As the name implies, this type of insurance covers properties that are vacant or unoccupied. Light rehab such as roof replacement and appliance upgrades is allowed in these policies. Check out Foremost Insurance's Vacant Home product

Builders Risk 

Builders Risk insurance policies also cover properties that are vacant or unoccupied, similar to the Vacant Property policies. However, these properties require more rehab than your run-of-the-mill flip. Updates such as adding square footage or a floor, knocking down or repairing load bearing walls, and foundation work require Builders Risk policies. Homeowners will note that these properties are required for home renovations as well as house flips. 

House Flipping