Home Insurance

We’ll never know how our life will evolve.  Insurance helps us cover our unexpected loss.  There are 2 main kinds of coverages that are included in Homeowners Insurance:
Property – to protect your home and its content.
Liability – to protect yourself financially against costly claims and lawsuits.

Your policy could help pay to rebuild your home or replace your possessions.  It’s a good idea to review your policy annually to determine if you have enough coverage.


What’s covered?  Insurance can help protect your home and personal property against losses caused by: Fire or lighting, windstorm or hail, explosion, riot or civil commotion, impact by aircraft, impact by vehicle, smoke, vandalism or malicious mischief, theft, falling objects, weight of ice/snow/sleet, sudden water discharge from plumbing or appliances, sudden tearing/bulging of heating or cooling systems, freezing of plumbing system, artificially generated electrical current (power surge), breakage of glass.

What’s not covered?
– Water damage caused by flood or underground water (Flood Insurance sold
– Liability for business-related activities
– Liability for intentional injury or property damage
– Damage caused by earthquake or mudslide (Earthquake Insurance sold separately)
– Damage caused by birds, rodents, insects or domestic animals.
– Damage caused by settling, deterioration, contamination or nuclear hazard.

Condo Insurance:  Condo associations typically purchase insurance for your building (protect the shell) and the common property.  Its responsibility may not extend to the walls, cabinets, flooring, or appliances.  A condo policy provides coverage for building items, appliances, or fixtures.  It also includes: Guest medical protection, additional living expenses, family liability, financial protection against lawsuits, and loss from theft.

There are discounts on insurance that can help you save.
-Are you the original buyer of a newly built condo?
-Does your home have a security system?
-Do you insure both your car and home together?
-Are you at lease 55 and retired?

If you answered yes to any of these questions, you may qualify for one or more discounts.


Title isurance protects the interests of property owners and lenders against legitimate or false title claims by owners or lien holders. It insures the title to the investment, unlocking its potential as a financial asset for the owner.

Title insurance is different from other forms of insurance because it insures against events that occurred before the policy is issued, as opposed to insuring against events in the future, as health, property or life insurance do.  Title insurance is loss prevention insurance.

A homeowner’s title insurance policy protects the owner for as long as he or she has an interest in the property; and the premium is paid only once, at closing.

Policies are terminated once ownership is changed.  Consult your title company before making any changes!

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