No one expects disaster. And you never know the worth of your coverage until you’re forced to make a claim. For us, homes come in all shapes and size—condos, co-ops, centuries-old landmarks, and newly built luxury apartments.
That’s why we tailor an All-Risk Homeowner’s Insurance Program to your needs, so you’ll be made whole should disaster strike.
We anticipate how, for example, weather, local regulations, or economic conditions could have an impact on your lifestyle. As such, we’ll explore the right insurance market for your needs. Consider typical coverage from our carrier partners:
Guaranteed Rebuilding Costs
Rebuild to match the original quality of unique and historic residences—even if doing so exceeds your policy limits.
Repair or replace damaged personal property with new items without depreciation deductions.
If you can’t live in your home because of a disaster, the additional living expenses you incur securing a replacement home will be covered.
Laws and Ordinances
Should local codes, laws, and ordinances require homeowners to make improvements, these costs are typically not covered by standard homeowner policies.
You’ll be covered for damage caused by back-up, or overflow, of sewers, drains or sump pumps, as well as “ensuing mold” on your property. Landscaping coverage is likewise ideal for elaborate gardens.
Should you face total property loss, you can receive a cash settlement if you choose not to rebuild.
Additional Homeowner Resources
We can help you be more proactive so you can secure assets, while making some insurance policies less necessary. For instance, through our carrier networks, we can help advise on leak detection, hurricane preparation, and wildfire defense. In a word, information, education, and preparation become cost-effective, while delivering peace of mind.