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Different Types of Home Insurance

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.

Homeowners
Condo
Townhouse
Renter
Mobile Home
Speciality Home
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Homeowners Insurance
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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.

HO-8 is the "older home" policy. Having an older home may preclude your being able to buy a replacement policy; you may have to buy a modified replacement policy instead. This means that instead of replacing such older home materials as plaster walls for example, the policy will pay for standard building materials and processes in use now.

Condominium Insurance
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Condo associations have a master insurance policy that covers the outside of the condominium building and all common areas such as the pool, club house and tennis courts. But the master policy does not cover the inside of your condo, so any damage to your ceiling, floor, walls, furniture, or other belongings is your responsibility. So is personal liability-if a visitor should fall and be injured because of your wet floor, your insurance is on the line. Carefully review your master policy to see what's covered as there may be gray areas, such as the hallways and balconies, where you would expect coverage, but in fact, it may not exist. Then consult an Insurance by Allied Brokers agent to find coverage where you are lacking it, and to receive additional coverage for your personal property.

Townhouse Insurance
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A townhouse is like a house in that the owner owns both the structure and the land on which it sits; but it is not free-standing, so "the land on which it sits" is limited to the front and back yards.They share many of the characteristics of condominiums, in that the master policy provided by your HOA does not cover the inside of your property, so any damage beyond the structural is your responsibility. So is personal liability-if a visitor should fall and be injured because of your wet floor, your insurance is on the line. Carefully review your master policy to see what's covered as there may be gray areas where you would expect coverage, but in fact, it may not exist. Then consult an Insurance by Allied Brokers agent to find coverage where you are lacking it, and to receive additional coverage for your personal property.

Renters Insurance
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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.

Call us today for a free quote for Renter's Insurance.

Mobile Home Insurance
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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.

If you have a modular home (usually delivered in multiple pieces and assembled on your land) you should get a quote for a standard homeowners policy.

Speciality Home Insurance
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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
Landlord/rental properties
Seasonal/Vacation Homes
Applicants with credit and/or loss problems
And more!

Call us today if you're interested in receiving a free quote. We can help you secure your property and your assets.



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