Dwelling Insurance:
Your home is your biggest investment and also your biggest asset and hence it is of utmost importance that you take the right steps to protect it. Uncertain events and unexpected losses may occur anytime. Therefore, it is vital to arrange for proper protection through a well designed Insurance Policy.

.   Dwelling- Protects the primary structure.
.   Personal Property- To protect moveable personal property, mostly within your home. Certain coverage limits apply.
.   Family Liability Protection- To pay for covered damages which you’re legally obligated to pay.
.   Guest Medical Protection- to pay medical expenses for your guests who are accidentally injured on your property as     a result of a covered loss.
.   Additional Living Expenses- To pay the reasonable increase in living expenses if your home becomes uninhabitable     after a covered loss.

Understand which coverage elements are common among all types of property.

Consider which policy is right for your living situation:

Home Insurance
You might be making the move from renting to buying, building a new home or moving to a new neighborhood. In any case, you’ll make a lot of important buying decisions about your new home along the way. . .price, location, features. . . just to name a few. You’ll also need to make some decisions about insurance. And when you do, here are a few things you might consider. . .

Your Home
.   How much would it cost to rebuild my home at today’s prices?
.   How can I make my home safer and possibly same money?
.   Should I purchase flood insurance?

Your Property
.   What would it cost to replace the contents of my home?
.   Do I have an inventory and photos of my personal possessions? If not, don’t wait for disaster to strike.

You and Your Guests
.   What kind of protection do I have against liability claims?
.   Will my guests’ medical expenses be covered if they’re accidentally injured on my property?

Your Coverage
•   How can I personalize my policy with extended coverage on computers, silverware, jewelry and more?
•   How often should I reevaluate my coverage’s?
•   How much should my deductible be?
•   Do I need or have reimbursement for additional living expenses if I can’t live in my home due to a covered loss?
•   I’m building my home, are there additional coverage’s available during the course of construction?

Condominium Insurance
Owning a condo puts you in a unique position. Unique because you have both common and individual insurance needs. Odds are, your condominium association has an insurance policy for common areas, like the building exterior and walkways. You’re still responsible for insuring your interests such as your personal property, yourself from liability and your guest’s medical protection.

Your Association
•   How do I know how much coverage my association carries?
•   Are there parts of the building or property they don’t insure?
•   What are my insurance responsibilities?

Your Home
•   How much would it cost to repair the inside of my home if it were damaged?
•   How can I make my home safer and possibly save money?
•   Should I purchase flood insurance?

Your Property
•   What would it cost to replace the contents of my home?
•   Do I have an inventory and photos of my personal possessions? If not, don’t wait for disaster to strike.

You and Your Guests
•   What kind of protection do I have against liability claims?
•   Will my guests’ medical expenses be covered if they’re accidentally injured on my property?

Your Coverage’s
•   What additional protection can I get for special assessments?
•   What additional protection can I purchase for my personal property such as, jewelry, electronic equipment, cellular phones, and other special items?
•   Do I need or have reimbursement for additional living expenses if I can’t live in my home due to a covered loss?
•   I’m getting married; can I get additional protection to cover wedding presents and other personal property I receive?

Mobile Home Insurance
Just like any other homeowner, you need to consider protecting your home, your personal property, and yourself from liability. Mobile Home owners have some special considerations too.

Your Home
•   What type of coverage is right for me? Replacement cost? Actual Cash Value?
•   Is there any special coverage I can get for fire department charges, since my home isn’t serviced by or located near one?
•   What kind of coverage can I get to help with the cost of moving my mobile home to a safer location if an oncoming fire or other covered peril threatens it?
•   When should I first begin my coverage if my home is being transported?
•   Should I purchase flood insurance?

Your Property
•   What would it cost to replace the contents of my home?
•   Do I have an inventory and photos of my personal possessions? If not, don’t wait for disaster to strike.
•   How can I personalize my policy with extended coverage for jewelry and radio or television antennas?

You and Your Guests
•   Does my policy come with liability coverage like a standard home insurance policy?
•   Will my guests’ medical expenses be covered if they’re accidentally injured on my property?
•   Do I need or have reimbursement for additional living expenses if I can’t live in my mobile home due to a loss?

Your Money
•   How will the coverage limits and deductibles I choose affect my premium?
•   What discounts are available to Mobile Home owners?
•   How can I make my home safer and possibly save money?

Renters Insurance
You might think, “Why do I need insurance, I’m renting?” Well, even though your landlord probably has an insurance policy on your building, you’ll need to protect your personal interests too. And it only costs a little to protect a lot. Renter’s insurance is less costly than you might think.

Your Property
•   What would it cost to replace the contents of my home?
•   Do I have an inventory and photos of my personal possessions? If not, don’t wait for disaster to strike.
•   Should I purchase flood insurance?

You and Your Guests
•   What kind of protection do I have against liability claims?
•   Will my guests’ medical expenses be covered if they’re accidentally injured in my home?

Your Coverage’s
•   What additional protection can I purchase for my personal property such as, jewelry, electronic equipment, cellular phones, and other special items?
•   I’m getting married; can I get additional protection to cover wedding presents and other personal property I receive?

Your Money
•   Can I same money if I have my auto insurance through the same company?
•   How can I make my home safer and possibly save money?

Personalize your policy with additional coverage’s such as:
•   Replacement Cost Coverage. For many of your contents (subject to applicable underlying policy coverage limits).
•   Scheduled Personal Property Coverage. With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sports equipment.
•   Increased Building Code Coverage. For example, if your home is damaged or destroyed you’d need protection to bring it up to today’s code standards as it is repaired.
•   Portable Cellular Communications Systems Coverage.

Umbrella Liability Insurance
This coverage provides higher liability limits over all the liability coverage you have on your other policies. Limits from $1,000,000 to $10,000,000.