renters’ Insurance

Renters' insurance protects tenants' personal belongings and provides liability coverage. It typically includes coverage for personal property such as furniture, electronics, and clothing, as well as liability coverage for accidents within the rented property. Additional benefits may include coverage for temporary relocation expenses, medical payments for injuries to guests, and protection for belongings outside the rental unit. Optional coverages are available for valuable items or specific risks. With affordable premiums, often costing less than homeowners insurance, renters' insurance offers peace of mind and financial protection for tenants, ensuring their belongings are safeguarded against unforeseen events.

Long-Term Rental

Are you considering renting your house as a short term vacation rental or a long term lease? We know you have a lot of things in your mind – finding the right tenants, keeping up with the repairs, the list goes on. As a landlord, we can help you create a rental insurance package that best fits your rental property needs.

  • Named Peril Coverage: Perils such as fire explosion, lightning, and hail damage are covered under the policy.

  • Agreed Loss Settlement: We provide full amount of agreed upon insurance if your home is destroyed by an insured loss.

  • Comprehensive Property Coverage: The policy covers most direct, sudden and accidental physical losses.

  • Loss of Rental Income: In the event of a covered loss, the landlord can be compensated for his loss of rental income.

We also provide wide range of choices to help protect you as a renter:

  • Personal injury

  • Landlord

  • Repair cost

  • Water damage from sewers and drains.

Short-Term Rental

Short-term rental insurance ensures that property owners can rent out their space with confidence, knowing they are protected against various risks and liabilities associated with temporary rentals. What does short-term rental coverage cover?

  • Property Damage Coverage: Protects the property owner against damages caused by guests during their stay, such as accidental damage to furniture, appliances, or fixtures.

  • Liability Coverage: Provides protection in case a guest sustains an injury while on the rental property, covering medical expenses or legal fees if the property owner is found liable for the injury.

  • Loss of Rental Income Coverage: Reimburses the property owner for lost rental income if the property becomes uninhabitable due to covered damages, such as fire or water damage, allowing them to continue receiving income during repairs.

  • Vandalism and Theft Coverage: Protects against theft or vandalism by guests or unauthorized individuals, covering the cost of repairs or replacement of stolen or damaged items.

  • Additional Living Expenses Coverage: Reimburses the property owner for additional living expenses if they are unable to rent out the property due to covered damages, such as hotel bills or temporary accommodations.

  • Guest Property Coverage: Offers protection for guests' personal belongings in case of damage or theft during their stay, providing reimbursement for their losses.

  • Emergency Assistance: Provides access to 24/7 assistance services for both property owners and guests, including emergency repairs, medical referrals, and travel assistance.

Experts in protecting rental investments

Homeowners

Homeowners insurance safeguards your home and belongings from various risks like fire, theft, and natural disasters. It provides financial protection and security for your most valuable asset.

flood

Flood insurance shields your property from water-related damage, ensuring financial protection in the event of floods. It's essential for safeguarding your home and belongings amidst natural disasters.

condo

Insuring your condo protects your investment, covering damages to your unit and personal belongings. It provides liability coverage for accidents and financial security.

vacation home insurance

Vacation home insurance protects your secondary property from risks like theft, natural disasters, and liability issues. It ensures financial security and peace of mind while you're away, safeguarding your investment in your getaway retreat.