Homeowners Insurance protects you from events that can damage your home and personal belongings, including inclement weather but also provides coverage for injuries that occur on your property and lawsuits against you. Whether you own or rent, there are different packages of home insurance offered to protect your home and belongings. Policy packages can protect against specified perils such as fire, windstorm, hail and theft.
In addition to coverage for named perils, a package policy can contain coverage for property damage, additional living expenses, personal liability and medical payments. Homeowners policies apply to most owner-occupied single family dwellings and is modified slightly for apartments and condominiums.
Sometimes an insurance company’s underwriting guidelines and policies may exclude certain coverages from the primary homeowners policy- such as windstorm or hail and often flood. When asking about insurance, inquire about companies’ level of coverage and whether or not they offer windstorm and hail protection, or if a separate windstorm and hail or flood policy is right for you. Always talk to us at Nate & Associates about your specific needs to make sure you are covered.
Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you from liability if someone is injured on your property.
Condo insurance is a policy that is purchased by the owner of a condo unit. It generally helps pay to repair your unit and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism. call Nate Insurance today for a free quote.
Flood ( Residential and Commercial)
Flood Insurance is a seperate kind of catastrophic insurance that covers home flooding and is different than the basic hazard insurance coverage contained in a homeowners insurance policy.
A home warranty insurance plan protects theappliances ansystems in your home: major home appliances, electrical, plumbing, and HVAC systems. Unlike your homeowners insurance policy, which protects your home from covered perils, a home warranty is a service contract that covers general wear and tear.