Your structure and contents are covered
against losses of fire, theft, windstorm, lightning, hail, and vandalism, and among others. Sudden and accidental water damage is also typically covered; however, water damage due to flood is usually not.
Liability coverage protects you
in case someone not living with you is injured on your property, and it also can cover property damage caused by you or your family members to others.
Damage due to flood is usually not covered
by a standard homeowners or renters insurance policy. Purchasing separate flood insurance is therefore necessary to protect yourself in the event of flood damage. We can offer this coverage for homeowners, tenants, and business owners alike.