Homeowners & Renters Insurance
Your home may be the biggest investment you ever make, and proper insurance coverage is paramount in ensuring that investment remains protected. Without it, you are vulnerable to significant financial loss due to property damage or liability exposures. Personal liability and property coverage, which are the two main components of homeowners insurance, will provide a safeguard. Personal liability coverage on a homeowners policy protects against a lawsuit if someone is injured, and property insurance protects you against structural, personal property damage and loss of use due to fire, burst pipes, theft or vandalism.
Do you rent where you live and have assets that need protecting? A Renters policy is designed to cover your personal property including your furniture, clothing, electronics, jewelry and collectables and any liability exposures you are legally responsible for. It can also help save you some money when bundled with an auto policy.
As a condo owner your home insurance needs to fall somewhere between that of a homeowner and renter policy. While you may not need insurance on the entire structure of your building if your Condo association has a master policy, the interior of your unit is your responsibility. That is where a condo policy is unique, you’ll want to protect the structure from the walls in and personal property.
Mobile Home Insurance
Mobile home insurance policies cover your mobile home and adjacent structures, such as patios, decks or sheds. Like homeowners’ insurance, your policy safeguards against several perils, include personal property and liability.
Remember that home insurance doesn’t cover flood or earthquake damage, and all policies have limits. Visit our Specialty page to learn more about supplemental flood, earthquake or umbrella insurance. Multi-policy discounts are available when you bundle coverage, so contact RDS Insurance Brokers at 800-609-2126 to learn more about how we can assist you with all your insurance needs.