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Property Insurance is a type of insurance that protects your property against loss. The cost of property insurance varies depending upon the replacement cost of the property.

A homeowner's insurance policy, also referred to as HOI, protects the dwellings' physical structure, its' contents, personal possessions and additional living expenses. In order to secure full replacement cost of your property, it is suggested to insure the property for at least 80% of the full replacement cost.

Basic homeowner insurance policies cover property damage resulting from lightning, hail, rain, fire and wind. Other damages due to vandalism, theft, and explosions are also covered in a standard homeowners' policy. Policy rates will vary depending upon the location of the property and its' proximity to a fire house, fire hydrant, as well as taking into consideration whether the property is outfitted with sprinklers and smoke detectors.

Standard homeowner's insurance policies do not protect your property against flood, earthquakes or various "acts of God." Additional rider policies may be purchased to cover these types of casualties. Earthquake and flood insurance riders are available and highly recommended if your property is located in an earthquake or flood zone.

Liability insurance on a property protects the property owner when a claim of injury or property damage is made. The mortgage holder on the property requires the homeowner to have an insurance policy in place as a stipulation of the loan.


Renters Insurance Coverage


Whether you rent an apartment, single family home, multi-family dwelling or condo, your landlords' insurance coverage does not protect loss of your personal property. If the property that you are renting suffers damage due to fire or smoke, wind or lightening, theft, mischief of vandalism, and accidental water discharge damage, renter's insurance coverage will protect your personal possessions. Most renter's insurance policies also include liability coverage which protect you in the event of an accidental injury to another person while on your property. Medical expenses are often included in this coverage type for those injured on your property.



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