If you’re like most homeowners, your home is your most valuable physical asset, and it should be protected accordingly. If your home is damaged or destroyed, it’s important that you are carrying the proper coverage to provide the protection you need, but it’s important to understand that no two policies are created equal. Different insurance companies offer different coverage benefits, have different endorsements and riders, along with different conditions and limitations. The fact is, it can be difficult – if not impossible – to tell the difference between two or more insurance quotes.
If you’re an urban dweller living in a condominium complex, you will also require a tailor-made policy. Condominium insurance (HO-6) can be complicated because in addition to your personal policy, your HOA also provides a master policy for the building, the amenities, and the common elements on the property. It is paramount you understand what IS and IS NOT covered by that master policy. Brian helps clarify how these policies integrate, so that he can make sound purchase decisions on your behalf.
Your independent agent can help you find homeowners and/or condominium insurance that will meet your individual needs and provide the best possible combination of tailored coverage, quality service and competitive pricing.
Brian is duly licensed to discuss these insurance plans but does not sell them. Please consult your independent agent for pricing and coverages.