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Homeowners insurance policies generally cover destruction and damage to a residence’s interior and exterior, the loss or theft of possessions, and personal liability for harm to others. Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.

Renters

Renters insurance is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property. If you rent an apartment, home or even a dorm, renters’ insurance is recommended for protecting your space and belongings in the event of a covered accident.

Dwelling fire

It is an insurance policy best suited for a residential property typically rented to others. The policy covers losses to the building’s structure, loss of use or rental Income, and customarily personal liability (this is an optional coverage).

Condo

Condo insurance is a policy that is purchased by the owner of a condo unit. It generally helps pay to repair your unit and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism.

Flood

Flood insurance covers losses directly caused by flooding. … Property outside of an insured building. For example, landscaping, wells, septic systems, decks and patios, fences, seawalls, hot tubs, and swimming pools. Financial losses caused by business interruption.

Umbrella

Umbrella insurance may provide coverage when your homeowners, auto, and boat insurance policies limits are exhausted. Umbrella insurance provides coverage for claims that may be excluded by other liability policies incl