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.

Motor home insurance protects your recreational vehicle both as a vehicle and a living space. It covers accidents, damage, theft, personal property, and liability.

• Cover Driving and Road Use – Covers accidents and insurance-style coverage.
• Personal Property Coverage – Includes belongings kept inside the RV.
• Vacation Liability – Offers protection while the RV is used as a temporary residence.
• Emergency Expense Coverage – Covers lodging and transport if RV breaks down.
• Comprehensive Coverage – Includes theft, fire, flood, and storm damage.
• Collision Equipment Coverage – Includes upgrades like solar power or awnings.

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.

Boat insurance protects personal watercraft against physical damage and liability while in use or in storage. Policies are based on boat type, size, and usage.

• Hull Coverage – Insures the boat and permanently attached equipment.
• Liability Protection – Covers injury or damage you cause to others.
• Agreed vs. Actual Cash Value – Affects how claims are settled.
• Uninsured Boater Coverage – Protects you if hit by someone without insurance.
• Navigational Limits – Coverage may apply geographically limited waters.
• Towing & Assistance – Includes breakdown assistance on the water.
• Winter Storage Options – Many waive premiums when not in use.

Motorcycle insurance provides protection for riders, bikes, passengers, and others in the event of accidents, theft, or damage. It’s legally required in most states.

• Liability Coverage – Required for bodily injury and property damage.
• Collision & Comprehensive – Covers theft, collisions, fire, and weather-related damage.
• Medical Payments Coverage – Pays for hospital bills regardless of fault.
• Custom Parts Coverage – Covers non-standard add-ons for your bike.
• Roadside Assistance – Helps with towing and mechanical repairs.
• Uninsured/Underinsured Protection – Protects against uninsured drivers.

Term life insurance provides a tax-free death benefit to beneficiaries if the insured dies during the policy term. It’s designed for affordability, temporary protection.

• Level Premiums – Fixed payments for the duration of the term.
• No Cash Value – Pure insurance with no savings component.
• Convertible Options – Can be switched to permanent coverage in many cases.
• Affordable – Lower cost than permanent life insurance.
• Defined Term Lengths – Choose from 10, 20, or 30 years.
• Medical Underwriting – Typically requires a physical and health exam.
• Expires Without Value – No payout if death occurs after the term ends.

IUL is a type of permanent life insurance that offers flexible premiums, a death benefit, and the opportunity to build cash value linked to a stock market index like the S&P 500.

• Cash Value Growth – Accumulates tax-deferred with stock index potential.
• Flexible Premiums & Benefits – Adjustable coverage and contributions change.
• Downside Protection – Typically includes floors to prevent market losses.
• Loan Access – Borrow against the cash value while it’s in force.
• Higher Fees – More expensive than term life.
• Ideal for Long-Term Goals – Works well as a legacy or supplemental retirement tool.
• Participating Option – Lets you match market gains up to a cap.

This term life coverage allows applicants to skip the medical exam and qualify based on a health questionnaire. Faster, convenient access to life insurance.

• No Medical Exam Needed – Qualification based on health questions.
• Quick Underwriting Time – Often approved in less than one day.
• Moderate Coverage Limits – Typically maxes out around $250K.
• Higher Premiums vs. Traditional Term – Costs more for the convenience.
• Short to Medium Term Options – Commonly available in 10, 20, or 30-year terms.
• Guaranteed Issue Options – Some insurers offer approval without health history.
• Good for Immediate Needs – Good option for mortgage or income replacement coverage.