Home / Apartment Insurance
The biggest asset for most people
is their home. Lose that, and you will likely lose a big part,
if not most, of your net worth. Even if you don’t own,
but rent, you can still easily lose all your belongings in a
sudden fire. That’s where homeowners and renters insurance
comes into play.
Homeowners insurance will protect your
property whether it’s a ranch in the country or a condo
in the city. Homeowners insurance will not only cover a home
structure, it will cover the contents as well. Of course, all
of this depends on how much coverage you purchase and whether
you have any add-ons, known as endorsements, attached to your
policy.
Homeowners insurance also covers you
for liability should someone be injured on your property. It
will also cover damage to some of your possessions that are
not located at your home. This includes damaged luggage on a
trip or property stolen from your car.
One thing homeowners insurance doesn’t
cover is damage from floods. So if you have a home in a low-lying
area that may be vulnerable to rising water, ask your Trusted
ChoiceSM agent about purchasing flood insurance.
The most important thing about homeowners
insurance is to have adequate coverage. If you do not purchase
enough insurance, your home may not be totally covered. For
that reason, you may want to look into a policy that increases
your coverage limits at the rate of inflation.
Of course if you’re a renter,
you will want insurance to cover the value of your possessions.
(The landlord’s insurance only covers the structure—not
your contents.) You'll also need renters insurance for liability
coverage in case someone is injured in the apartment or house
you rent.
Because everyone’s needs are not
the same, it is best to consult a Trusted ChoiceSM insurance
agent to help assess your needs and find the insurance policy
that is right for you.
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