Do you rent an apartment or own a condominium?
Renters insurance provides coverage for your personal belongings as your landlord is only responsible for the dwelling/building.
Condo insurance is different than homeowner insurance. The structure is covered by the condominium master policy, however, the master policy may not provide for all of the coverage that is necessary.
With any of the above policies, condominium or renters, we will be able to provide the endorsement, HO 0490 Personal Property Replacement Cost. This valuable endorsement would replace your contents without depreciation, in fact, getting new for old.
Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.
Common items that can be added as scheduled property:
- Musical Instruments
- Golfers Equipment
- Fine Arts
Fridays 9-12 Noon
By appointment anytime