Home and Condo Insurance

Homeowners need protection from fire, water damage, theft, structural failure, and liability if someone is injured on their property. Many homeowners discover too late that certain losses aren't covered—leaving them to pay out-of-pocket for expensive repairs.


Standard coverage includes protection for your dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable.

Critical coverage to consider includes water damage from surface or underground water, sewer or septic backups, replacement cost coverage for belongings, and special liability if you have a dog, pool, or trampoline.


Many of these endorsements aren't expensive, especially when you bundle home and auto policies together. We'll help you customize your policy so there are no gaps in your coverage.

Different Property, Different Protection

If you own a condo, your association covers common areas and the building structure, but its insurance doesn't protect your personal property or your liability if someone is injured in your unit.


Your condo policy protects the interior of your unit, personal belongings, and provides liability coverage for accidents within your unit. Loss of use coverage pays for alternative accommodations if your condo becomes uninhabitable during repairs.


Loss assessment coverage is critical for condo owners. If the association faces significant costs from a covered incident, you could be responsible for your share. This coverage protects you from unexpected financial burden.


We'll customize your condo policy to ensure you have complete protection without gaps.