When it comes to the basic needs of life, “shelter” ranks towards the top. Having a place to live, rest, and store your belongings is a crucial need for safety and stability, so having an insurance policy to protect what you have is crucial.
The right insurance policy for your specific living situation can provide you peace of mind as well as the money you need to repair or replace your home and belongings. Insurance can also help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Whether you live in an apartment, condo, or own your own home, we have an insurance policy to protect it, and your belongings.
Coastal Property Insurance
Business Personal Property Coverage
covers property at a specified location such as furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).
Electronic Data Processing (EDP) Insurance
is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.
is essential if you own a commercial building. Could you afford the replacement cost in the event of a disaster? Most businesses can't. Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.
is excluded from most commercial property policies. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask us to review your insurance policy, and we’ll help you find the best solution.
If you own coastal property, there will be special risks involved due to environmental and statistical factors. We’re able to connect you with coastal property insurance policies that still keep you covered at an affordable rate.