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What do I need to know about Homeowners Insurance?
It is where you live and where your possessions are. Chances are, it's
your asset. But more than possessions and assets, it's your home and you
need protect it. Property insurance helps provide peace of mind.
What do I need to know about Condominium Insurance?
Owning a condominium 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?
Your Property
- What would it cost to replace the contents of my home?
- Do I have an inventory and photographs of my personal possessions?
You and Your Guests
- 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?
- How often should I reevaluate my coverages?
- Should I get flood insurance?
- Do I need or have reimbursement for additional living expenses if
I can't live in my home due to loss?
- I'm getting married, can I get additional protection to cover
wedding presents and other personal property I receive?
Enjoy peace of mind knowing your unique insurance needs are understood.
Discover what discounts are available for condo owners.
What do I need to know about Renters Insurance, and what does it cover?
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 in my home?
- Do I have an inventory and photographs of my personal possessions?
You and Your Guests
- What kind of protection do I have against liability.
- Will my guest's medical expenses be covered if they are
accidentally injured in my home?
Your Coverages
- What additional coverages are available for my personal property
such as: sports equipment, electronic data processing equipment,
jewelry or other valuables?
- Do I have an inventory and photographs of my personal possessions?
- I'm getting married, can I get additional protection to cover
wedding presents and other personal property I receive?
Your Money
- Can I save money if I have my auto insurance with Allstate too?
- How can I make my home safer and possibly save money?
Do I need flood Insurance?
Over 90% of all presidential-declared disasters in the United States
are flood related. Leveling forests, overbuilding the land, and
increasing use of asphalt all reduce the soil's natural ability to
absorb excess water, compounding the risk of disastrous flooding. Most
homeowner, renter, landlord and business insurance polices exclude
coverage for flooding.
Do I need Earthquake Insurance?
If you live in an Earthquake zone. Yes! Typically most homeowners
insurance insurance coverage would apply as rider. If it is not
available under your homeowners insurance you will need to buy a
separate policy.
How can I protect my Home Office?
Commercial insurance is designed to help protect many of the risks your
business can face, including:
- Damage or destruction to your business vehicles.
- Certain liability exposures resulting from the operation of your
business vehicles.
- Damage or destruction to your office equipment or inventory.
- Loss of income in case you have to close-up shop temporarily
because of a covered loss.
- Certain business related liability exposures such as, wrongful
entry or search, libel, slander and even certain offenses arising
out of your business's advertising.
- Risks to your cargo while in transit or storage.
- Theft or loss of tools and equipment.
- Crime coverage including robbery, burglary, even employee
dishonesty.
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