Home & Renters Insurance

Home Insurance

Homeowners insurance protects you and your family from losses caused by storms, fire, theft, and liability for anyone who might be injured on your property. All mortgage lenders require homebuyers to purchase some level of homeowners insurance to protect their legal interest.  Personal property coverage makes up much of your home value, so a personal inventory should be made of all your personal property and kept in a safe place.  Homeowners should review their insurance needs every year to make sure their policy provides adequate coverage.  A room addition, new insulation, or remodeling add value to a home and may increase replacement cost. 

Renters Insurance

Even tenants of rental property should protect themselves against liability for accidents that injure other people or damage to their property.  Whether you own or rent everyone needs liability protection.  Certain actions of the insured away from the home may also be covered.