Personal Insurance

The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions.

Condo insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

Your home is a valuable asset and the center of your life, so it’s extra-important to cover every risk with homeowners insurance. Get the right policy, and you’ll take care of the small and large risks related to owning a house at the same time.

Did you know that mobile homes are often at more risk than a typical home or apartment? 

The construction style means it could be at more risk of serious damage from fire or natural disasters. Another difference is that a smaller home means there’s more risk of the entire property—and all your possessions—being destroyed in such an incident, rather than the damage being restricted to part of the home.

Don’t be fooled, just because your tenant has rental insurance doesn’t mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.

When you rent an apartment, your landlord will normally be responsible for the insurance necessary to protect against damage to the building itself. Still, it's up to you to protect your possessions.

Renters insurance covers damage or loss from burglaries and losses from events such as fires, certain types of water damage, and more. Be sure to check your renters' insurance coverage details–there will usually be both an overall limit on the payout and a maximum amount for any one renter's insurance claim.

The general principles of vacation home insurance are the same as homeowners insurance. However, there are two differences. One is that a vacation home is more likely to be unattended for extended periods, increasing the risk of burglary as well as both the risk of and potential damage from fires or flooding.

On the other hand, coverage limits will often be lower at a seasonal or secondary home, simply because you likely keep fewer and less valuable possessions in a vacation property, particularly when it’s unattended.

Umbrella insurance has an unusual name, but it’s a simple concept–it’s an extra liability policy for added peace of mind.

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. 

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident, or natural disaster.