Renters insurance protects the personal belongings of tenants and offers liability coverage in the event of accidents or damage within a rented residence. It also helps tenants with liabilities if their unit becomes uninhabitable.

• Personal Property Coverage – Insurance for damaged or stolen items.
• Liability Protection – Covers bodily injury or property damage to others in your unit.
• Loss of Use – Helps with lodging and meal expenses if rental becomes uninhabitable.
• Off-Premises Protection – Your belongings are covered even when not in your home.
• Low Cost – Typically affordable monthly premiums for valuable protection.
• Optional Riders – Add coverage for valuable jewelry or electronics.
• No Building Coverage Needed – Only personal property and liability are insured.

Condo insurance is designed for condo unit owners and covers the interior structure, personal property, and personal liability. It complements the condo association’s master policy.

• Interior Structure Coverage – Protects flooring, walls, and improvements within the unit.
• Personal Property Protection – Covers theft or damage to your belongings.
• Loss Assessment Coverage – Helps cover your share of condo association costs.
• Liability Protection – Protects against accidents occurring inside the condo unit.
• Loss of Use (HO-6 Policy) – Fills gaps not covered by the condo association.
• Customizable Limits – Choose coverage levels based on your condo features.

Secondary home insurance covers vacation or second homes. These properties are usually more vulnerable to risk if the owner’s primary residence is elsewhere, leaving the home unoccupied.

• Covered Dwelling and Contents – Similar to primary home policies but tailored for less frequent use.
• Higher Risk, Higher Premiums – Costs are often higher for vacancy and location risks.
• Named Perils Coverage – Often limited to specific events such as fire or vandalism.
• Vacancy Clauses – Certain coverages may be excluded if the home is unoccupied too long.
• Rental Endorsements Available – Required if renting to short-term tenants.
• Flood/Wind Separate – May need to purchase additional policies for natural disasters.
• Optional Security Discounts – Alarm systems and monitoring may reduce rates.

A jewelry floater extends coverage for high-value jewelry items beyond the standard homeowners or renters insurance limits. It ensures comprehensive protection for loss, theft, or damage.

• Scheduled Item Coverage – Lists pieces individually for full protection.
• No Deductible Option – Many insurers may let you insure without requiring a deductible.
• Coverage Worldwide/Disappearances – Protects against unexplained losses.
• Worldwide Coverage – Insures items at home and while traveling.
• Requires Appraisal – Most insurers will need an official value check.
• Standalone Add-On – Available as its own policy or as a rider.
• Adjustable Limits – You can update coverage as jewelry value changes.

Mobile home insurance protects against damage to your mobile or manufactured home and covers permanent belongings, liability, and additional living expenses.

• Dwelling Protection – Insures the physical structure against fire, weather, and other perils.
• Personal Property Coverage – Includes coverage for contents like furniture and electronics.
• Liability Coverage – Helps pay for legal expenses or medical costs if someone is injured.
• Loss of Use – Pays for temporary housing if home becomes unlivable.
• Trip Collision Coverage – Extends coverage as the home is moved.
• Optional Riders – Fire, floods, tornadoes, or water backups.
• Age & Location Affect Premiums – Older homes may have limited coverage or higher costs.