630 Cowper Street, Palo Alto, CA 94301 (main office)
Home Sweet Home. It doesn't matter the shape or color or size. It doesn't matter if you have a lawn or a set of wheels, you own it or you don't; Regardless of what kind of place you rest your head at night, let us make sure you're safeguarding it against any peril. Learn about the different types below by clicking on the type of home you're interested in learning more about, and give us a call today to get a free quote when you're ready to shop around.
Insurers in most states use a number of standard forms for the various homeowners' coverages. Here's a list of the most commonly used forms:
HO-3 called the "special" form, insures your home and detached structures against loss or damage from any peril except for those specifically excluded in the policy. This is the policy most homeowners purchase. It is important for you to read your policy carefully to see what is excluded-you may want to cover exclusions with special endorsements.
HO-4 is a tenant's policy and insures your household contents and personal belongings against the perils of the HO-2 policy. It also covers additional living expenses if needed, medical payments, and also liability protection.
HO-6 covers a condominium unit-owner who wishes to insure items not insured by the association policy, as well as the personal property inside the unit and personal liability protection.
Most tenants never know that they need renters insurance until it is too late. If the apartment is robbed or the apartment above you has a fire, and the water used to extinguish it floods your apartment, your landlord's policy likely won't pay to replace any of your stuff. That's up to you.
You have a lot of money invested in your personal property - and it's worth protecting. And remember, as a renter, you could experience a loss due to something you have no control over but have no coverage!
Also, keep in mind your need for liability insurance. Say your friend's clumsy cousin trips on your sneakers, falls down the stairs and hurts his back. Like it or not, he could sue you for that. Whether or not he wins, fighting that suit could be an expensive nightmare.
You've worked hard to buy your home and the things you own, but sometimes unexpected events like fires or severe hailstorms can cause major setbacks. Most people don't have enough cash on hand to repair major damage to their house or replace large amounts of their belongings all at once. This is where mobile home insurance can help.
If you own a mobile or manufactured home, Insurance by Allied Brokers can help protect your home, adjacent structures and personal property. Mobile and manufactured homes are essentially the same thing, manufactured home is just the way the government identifies these homes if they were built after June 15, 1976. So a mobile home policy should be appropriate regardless of which name you use.
Insurance by Allied Brokers offers Specialty Home Insurance for homes that don't quality for "standard" or "preferred" homeowners coverage, such as:
Older and lower-value homes
Applicants with credit and/or loss problems
Call us today if you're interested in receiving a free quote. We can help you secure your property and your assets.
Cities Served: Menlo Park, Redwood City, Atherton, San Carlos, San Bruno, San Mateo, Burlingame, Foster City, San Francisco, Brisbane, Belmont, Los Altos, Los Altos Hills, Sunnyvale, Mountain View, Cupertino, Saratoga, Half Moon Bay, San Jose, Campbell, Los Gatos, Milpitas, Santa Clara