Your home is likely your largest asset. Make sure it is properly protected.
The most common homeowners insurance policy is the HO-3. The HO-3 form covers the structure of your home for all perils, with some exclusions, and your personal property for a specific list of named perils (Special form). Windstorm (Hurricane) coverage is included in the HO-3 form but can be excluded. However, if you have a mortgage you will likely be required to carry wind insurance.
Loss of Use
The primary difference between a Homeowners policy and a Condo policy (HO-6) is the amount of Dwelling coverage that is needed. In a condominium, the structure of your building and common areas should be insured by the Condo Association on a Master policy. This leaves the interior of your unit as your responsibility.
You should carry adequate coverage to rebuild the interior of your unit from the studs in. This will include things such as drywall, flooring, cabinets, counter tops and appliances. The dwelling coverage, like in any homeowners policy, is calculated using a Replacement Cost Estimator (RCE) to accurately estimate the cost to rebuild.
Contact us to find out more about condo insurance and get a quote today.
Renters Insurance (HO-4) provides coverage for your Personal Property while renting a home or apartment. In addition to your personal belongings, a renters policy will cover Personal Liability, Medical Payments and Loss of Use.
If you take a look around your home, you’ll probably realize you own a lot more than you think (clothing, furniture, electronics, etc). The average renter in a two bedroom apartment has in excess of $20,000 worth of stuff. In the event of a claim, could you afford to replace all of your belongings?
Renters insurance is very affordable and often costs much less than you might expect. Policies are customizable to ensure you only pay for the coverage you need.
The largest homeowners discounts available have to do with how well your home is prepared to resist wind damage. These credits are verified by having a Windstorm Mitigation Inspection completed by a license inspector. The inspection addresses the following areas, which can save you thousands.
- Building Code
- Roof Covering
- Roof Deck Attachment
- Roof to Wall Attachment
- Roof Geometry
- Secondary Water Resistance
- Opening Protection (shutters, impact glass, etc.)
- Burglar Alarm
- Fire Alarm
- Gated/Secured Community
Roebuck Insurance is built around service. We continue assisting our customers well after a policy is sold for everything and anything you might need. Speak to the same people every time you call and never have to sit on hold.