Homeowners policies can be an actual homeowner or a renter or a condo. Because of this first look at if you are buying a home or renting it. The law states that even if you are buying a home from an individual if you do not have a mortgage at a bank and if the tax assessor’s office does not show you as the owner, and if you do not have the deed you are a tenant and we must write a renters policy, but once this changes and you have paid off the mortgage then the renters policy can be converted to a homeowners. Also, each company has their own limits on what is considered an insurable home. Also, your car insurance only covers clothes and luggage up to $500 so a renter’s policy or homeowner policy covers those personal items that are not covered by an auto policy that get stolen or damaged.
We will cover most homes except a mobile home, or a manufactured home, or a home with rolled asphalt roof. A homeowner’s policy starts with replacement of the home, special coverages like water back up and medical coverages, and to cover special items like furs, musical instruments, Jewelry, etc.
If you want to cover your personal Items and extend your homeowners coverage and Auto coverage, then you need an umbrella policy. This policy can replace personal Items and be grouped with any kind of homeowners and auto policy.
We do classify this as an homeowners to where if you group it with like an auto policy and umbrella you can save up to 25% overall. We can offer this great protection, and auto for your family’s auto, and provide the best protection all around for you and your family. We do have to cover all Licensed drivers on the policies to be compliant but if they are not then they cannot drive the vehicle, or it will not be covered when they are driving.