THE INSURANCE HOUSE, INC

"Your Key To Insurance"

Insurance Solutions For Your Home and Family

RENTERS INSURANCE


Unfortunately, fires occur every year in rented homes, apartments, or condos. You may be careful and responsible, but what about your neighbors?  A renters policy protects your personal possessions and valuable items as well as liability protection.  Compared to the cost of replacing everything you own, the low cost of renters insurance helps provide you peace of mind.



Coverage for Personal Belongings 

Clothes, furniture, and other personal items are covered if they are damaged by fire, hurricane, hail, lightning or other perils listed on the policy. Jewelry and collectibles are included, but only up to a specific dollar amount. To insure these items to their full value, they can be scheduled onto your policy at your request.


Liability Protection
Liability coverage protects against the cost of lawsuits for bodily injury or property damage that policyholders or family members cause to other people.

HOMEOWNERS INSURANCE


Homeowners policies are broken into two sections: Property and Liability. Property covers the home structure and personal belongings, while liability covers your legal responsibility if you cause harm or damage to others.


Coverage for the Home

Insurance pays to repair or rebuild a home if it is damaged by fire, hurricane, hail, lightning or other disaster listed in the policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear.


Coverage for Personal Belongings

Clothes, furniture, and other personal items are covered if they are damaged by fire, hurricane, hail, lightning or other disaster listed in the policy. Jewelry and collectibles are included, but only up to a specific dollar amount. To insure these items to their full value you must purchase an endorsement to schedule your item and value on the policy.


Liability Protection

Liability coverage protects against the cost of lawsuits for bodily injury or property damage that policyholders or family members cause to other people.


Additional Living Expense

This pays the additional costs of living away from home if a house is inhabitable due to damage from a fire, storm or other insured disaster.

We also provide coverage options for Rental properties, Vacant properties or Vacant land.  Call to inquire about coverage options for these types of risks!