Everyone needs some type of residential property insurance to help pay for repairs, replacement costs, and extra living expenses should something happen to your home. The experienced brokers at Crest Insurance Group specialize in homeowners insurance, condo insurance, and renters insurance.
Most homeowners insurance policies will cover damage caused by fire, windstorms, hail, lightning, theft or vandalism. Many home insurance policies also cover a variety of optional circumstances, such as the loss of itemized valuables (personal property coverage) or medical expenses for certain injuries that might occur to visitors on your property (liability coverage). It’s common that floods and earthquakes are excluded on most home dwelling policies, so if you do live in a floodplain, you’ll want to add flood insurance coverage.
Condominium insurance policies generally cover alterations, appliances, fixtures, and improvements to the interior of the unit. Condo policies can also cover personal property, reimbursement for liability claims, and additional living expenses should you require temporary housing due to a covered loss.
Renters insurance policies will cover theft or damages to your personal property inside of the apartment (not outside), as well as reimbursement for liability claims and additional living expenses should the need arise. Renters insurance also covers perils such as kitchen fires or water damage from an overflowed tub or leaking AC unit.
We’ll work with you to develop an individual home insurance policy that fits your needs and your budget. Our experienced agents will work with you to create a customized quote where you can choose the coverage types and amounts that make sense for you. Please contact us to schedule an appointment to setup new coverage or if you would like us to provide a complimentary assessment of your current insurance coverages.