Whether you own or rent, you need property insurance for your home, condo, apartment, seasonal, or rental dwelling. Did you know that property insurance covers more than just your property? Perhaps even more important is the personal liability insurance, as a claim under it could be greater than the value of your home. Your policy could cover you against accidental damage or injury that you may cause to others, anywhere in the world. You could be sued if you slice a ball on a golf course and injure someone. Your liability insurance would protect you in this case, not just for incidents that occur on your own property.

Insurance can be complicated with all of it’s fine print and exclusions. That’s why we take the time to explain the coverage and options to our customers. After a claim is not the time to discover that something is not covered. New phenomena’s such as using your home as an Airbnb can require changes be made  to your insurance policy. Coverage may not apply if you operate a business in your home, it is vacant for more than 30 days, or if water damage occurs when you have been away more than 4 consecutive days during the heating season. Let us find the coverage that you need in your specific case.