Homeowners Insurance
It’s unthinkable not to protect your home. In fact, if you have a mortgage, most lending institutions won’t let you go without homeowners insurance. But protecting your home doesn’t mean simply buying homeowners insurance. It means making sure you have the right coverages and amounts so that if a catastrophe occurs, your most valuable asset really is protected.When I shop for a homeowners policy for you, I shop many companies to find the lowest rates. But I’m not just looking for who has the least expensive premium. I’m working to save you money for the coverages that are appropriate and necessary for your home. So when you most need insurance protection, you don’t need to worry about whether you have enough coverage to rebuild.
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Condominium Insurance
Many, if not most people who live in an attached home or a condominium have their dwelling coverage through their homeowners association. Under this arrangement, if there is a fire or other catastrophe that damages the structure of the building, the insurance you have through your association will cover such a loss.But if you live in a condo or an attached home, you need more insurance than just coverage of structural damage. You need the same coverage for liability as a homeowner does. Most likely, the policy you get through your HOA doesn’t cover liability such as guests tripping and falling in your home.
If your only insurance is through your homeowners association, you’re not adequately covered. You will need a condominium policy to provide protection from liability.
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Renter’s Insurance
Most people who rent don’t think about renter’s insurance. They believe that the contents of their apartment can be replaced at minimal expense in the unlikely event of a catastrophe. For most people, this is true, but it overlooks the most important component of renter’s insurance.Just like a home or condominium owner, you still need protection from liability for accidents such as guests tripping and falling. This is the real value of renter’s insurance. Protection from liability is of critical importance, no matter whether you rent or own property. Even if you don’t own property (and therefore have nothing than can be “taken away”), your future earnings can be seized to pay a judgment. Don’t make the mistake of assuming that just because you rent, you don’t need protection from liability.
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