Houses, apartments, renters
As a homeowner you need enough insurance to cover the following:
1. The structure of your home
Our agent will help you with factors that will determine the cost of rebuilding your home as well as evaluating the cost of replacing your home to pre-loss conditions.
2. Your personal possessions
Figure out how much your belongings are worth which will help to choose the amount.
Ask our agent about the two ways to replace your personal properties:
a) actual cash value
b) replacement cost coverage
3. The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs.
4. Your liability to others.
This part of your policy gives you financial protection and covers you against lawsuits for bodily injury or property damage that you or your family members may have caused.
5. Medical payment which will take care of the medical bills of anyone injured on your property.
Condominium / Townhome Insurance
If you own a townhouse or condo, you have different insurance needs than the typical homeowner. By large, condominium owners do not own the structure they live in. Your association will usually handle the expense through their insurance package. And although your association dues help pay for the upkeep of common areas, they do not cover your personal property within your own unit nor your liability should someone be injured on your property.
This plan will give you peace of mind when you don’t own your apartment or rented property. If you’re a renter, odds are your landlord holds an insurance policy that protects the overall property and building structure but does not protect your personal belongings.
At Biz Broker, Inc. we supply flexible insurance policies to renters throughout the state.
It does not matter if you rent a house or apartment, we can help protect you against damages like: fire, lightning, frozen plumbing, windstorms, hail, theft and more…
If you are interested in any type of insurace from above, contact us today for details and quote.
Our contact number is: 773-777-1040