Pemberton Insurance Group works for you. As an independent agency we compare protection and prices to find the best value to fit your homeowners insurance needs. We find that just because other policies are cheaper does not always mean they are better.
Living in the Midwest brings with it many unique and unpredictable causes for loss or damage to your property. Let us review your coverage to make sure you have the proper protection for one of your biggest investments.
There are different types of property insurance such as:
- Homeowners – Protects your personal property, dwelling and gives you liability protection for the unknown
- Renters – Gives you protection of your belongings and liability coverage to guard against further loss.
- Landlord – Coverage for your rented out home to cover your investment.
- Condo – Many owners believe that their Condo Association provides all the insurance coverage they need. In fact, they need their own policy to cover improvements they’ve made to their unit as well as their personal belongings, not to mention liability coverage
Covers your home and other structures on your property, like your garage or tool shed, for covered losses. It also covers your personal possessions and helps protect you from personal liability claims.
The personal Liability portion covers someone that is accidentally injured or has property damaged while on your premises.
Additional Living Expenses are part of the policy. This covers expenses if you need to live elsewhere because your home was damaged due to a covered loss.
Personal Property is an important piece of the policy that covers items such as furniture, clothing, appliances or jewelry from covered losses.
This policy covers protection for your belongings from covered losses while you are renting an apartment or home. It also provides liability protection for you. Renters policies are generally very affordable coverages to obtain.
Most condominiums have condo association insurance that cover the structure or other common areas. You are responsible for the interior of your unit coverage for items such as personal property and liability. This policy takes this into consideration and offers coverages for you and your condo.
Your investment property is enough to worry about. Make sure you have a policy specifically designed for coverage of rental property. You can even add coverages for loss of income due to a covered loss if your property is unlivable. This policy usually covers the dwelling and appliances along with liability coverage.
With lawsuits increasing every year and serious accidents everywhere, don’t be sued and lose your valuable assets. This policy adds extra level of protection on top of your other policies liability limits. Remember that every time you or a member of your family get into a car, your assets travel with them. Protect your family with an umbrella policy.
If you have any questions or are interested in a quote, please contact us today.