Whether you rent or own, your home is one of your biggest investments. Protect it with an insurance package tailored to your needs. We offer coverage for the building itself, your belongings, your guests, and more.
Homeowner’s Insurance
Dwelling: This coverage protects your house due to a covered loss such as wind, hail, lightning, and fire. Flood and earthquake coverage are not included, but they are both available as add-on options.
Personal items: Protects your appliances, furniture, clothing, and sentimental items against theft, fire, etc.
Liability: Protect your family from financial responsibility if a guest experiences an injury at your home.
Medical payments: In the case of injury to you, your family, or guests at your home, medical bills can be covered by your insurance policy.
Loss of use: If you cannot stay in your home due to a claim, you will be covered for expenses associated with residing elsewhere.
Additional coverages: Increased protection against unexpected costs related to water damage or tree removal. Coverage of luxury items such as fine jewelry, furs, artwork, recreational vehicles. Financial support for the consequences of identity theft.
Renter’s Insurance
As a renter, your landlord is responsible for property and the items they own, but you should insure your family members and the belongings of anyone who lives on the property.
Personal items: Protects your appliances, furniture, clothing, and sentimental items against theft, fire, etc.
Liability: Protect your family from financial responsibility if a guest experiences an injury at your home.
Medical payments: In the case of injury to you, your family, or guests at your home, medical bills can be covered by your insurance policy.
Loss of use: If you cannot stay in your home due to a claim, you will be covered for expenses associated with residing elsewhere.
Coverage for Rental Property Owners
As a landlord, you need coverage that protects against unforeseen costs like property damage, injury, and loss of income when the property is empty due to a claim.
Dwelling: In the same way as a home policy, the building is protected against covered claims.
Personal property: Most policies cover a minimal number of personal items, because as the owner, you would likely have few personal items on your rental property. Please calculate the value of the personal items you plan to leave on-site.
Liability: Protects you from financial responsibility if you are found negligent or responsible for another party’s injuries while on your property.
Loss of rental income. If your property is being repaired or becomes uninhabitable due to covered loss or damage, this coverage pays you the rent income you lost while the unit was empty. This policy can be used for a single unit or a four-plex.
“I recommend Financially Smart Insurance LLC. This agency thrives on catering to their clientele’s needs . They offer affordable prices that meets your budget. They will not settle for anything less.”