PROPERTY INSURANCE
Protect the places
and property
you rely on.
Homeowners, rental property, and commercial property insurance solutions designed around how the property is owned, occupied and used.
Different properties.
Different protection.
Whether you own a home, a rental property, or a commercial building, the right insurance helps protect your property, your personal belongings or business assets, and your financial future.
Each type of property policy is designed for different ownership and occupancy situations, with coverages, limits and options that may vary by carrier.
Homeowners Insurance
Helps protect your home, personal belongings and finances from covered losses, so you can feel more secure where you live.
✓ Dwelling and attached structures
✓ Other structures such as a detached garage or fence
✓ Personal property / belongings
✓ Personal liability protection
✓ Medical payments to others, where available
✓ Additional living expense after a covered loss
Flood and earthquake are generally not included in standard homeowners policies and may be available separately, subject to eligibility.
Landlord / Rental Property Insurance
Designed for tenant-occupied residential property, this coverage may help protect the dwelling, landlord-owned property and your liability as a property owner.
✓ Dwelling and attached structures
✓ Landlord-owned personal property such as appliances
✓ Premises liability protection
✓ Medical payments to others, where available
✓ Loss of rental income / fair rental value after a covered loss
Tenant belongings are not covered under a landlord policy. Tenants should consider renters insurance.
Commercial Property Insurance
Helps protect business property, including buildings, equipment, inventory and more, from covered losses such as fire, theft, vandalism and certain weather events.
✓ Buildings and structures
✓ Business personal property, equipment and tools
✓ Inventory, furniture and fixtures
✓ Business income and extra expense, where included
✓ Equipment breakdown and other optional coverages may be available
Coverage, causes of loss, valuation, limits and deductibles vary by policy and carrier.
Which property policy fits your situation?
Owner-Occupied Home
✓ You live there
✓ Primary residence
✓ Personal belongings
Rental Property
✓ You rent it to others
✓ Investment property
✓ Rental income and landlord coverage
Commercial Property
✓ Your business owns or occupies it
✓ Business assets and equipment
✓ Income protection options
Coverage details matter.
Every property and situation is different. Factors like rebuilding cost, property valuation, deductibles, limits, occupancy and how the property is used can all affect your coverage.
We’ll help you understand the important differences between options and find the right protection for your specific needs.
Tell us about renovations, rental use, vacancy, special property features and other changes that could affect underwriting.
Additional coverages to consider.
Flood Insurance
Generally not included in standard policies.
Earthquake Insurance
Generally not included in standard policies.
Valuable Items
Higher-value items may require additional coverage.
Water Backup
May be available as an optional endorsement.
Ordinance or Law
May help with increased rebuilding costs where available.
Equipment Breakdown
May be available for eligible properties.
Umbrella / Excess Liability
Additional liability protection may be available.
Vacancy / Unoccupancy
Special underwriting and coverage considerations may apply.
PROTECT THE PROPERTY THAT MATTERS TO YOU
Get a personalized quote or speak with our team to review the right coverage for your home, rental property or business.
☎ 877-291-9519