Homeowners & Condo Owners Insurance

Protecting your home, personal property, and financial security from unexpected loss

Homeowners and Condo Owners Insurance provide comprehensive protection for your residence and everything in it. Whether you own a single‑family home or a condominium unit, these policies safeguard you from property damage, liability claims, and the financial impact of unexpected events like fire, theft, or water damage.

Homeowners Insurance (HO‑3 / HO‑5)

Complete protection for your home, belongings, and personal liability

Homeowners Insurance covers both the structure of your home and your personal property, along with liability protection if someone is injured on your property or you accidentally cause damage to others.

What Homeowners Insurance Covers

  • Dwelling Coverage — Repairs or rebuilds your home after covered losses (fire, wind, theft, vandalism, etc.).

  • Other Structures — Fences, detached garages, sheds, and other non‑attached structures.

  • Personal Property — Furniture, electronics, clothing, appliances, and valuables (with optional scheduled coverage).

  • Loss of Use — Pays for temporary housing and living expenses if your home becomes uninhabitable.

  • Personal Liability — Protects you if you’re legally responsible for injury or property damage to others.

  • Medical Payments — Covers minor injuries to guests, regardless of fault.

Optional Enhancements

  • Extended dwelling replacement

  • Water backup

  • Earthquake or flood (separate policies)

  • Scheduled jewelry, art, or collectibles

  • Home cyber protection

  • Equipment breakdown

Ideal For

Owners of single‑family homes, townhomes, and properties where you are responsible for the entire structure.

Condo Owners Insurance (HO‑6)

Specialized protection for your condo unit and personal belongings

Condo Insurance is designed for unit owners whose building structure is insured by an HOA master policy. HO‑6 fills the gaps by covering what the HOA does not—your interior unit, improvements, and personal property.

What Condo Insurance Covers

  • Interior Unit Coverage — Walls, floors, ceilings, cabinetry, and built‑ins not covered by the HOA master policy.

  • Improvements & Betterments — Upgrades like hardwood floors, remodeled kitchens, or custom fixtures.

  • Personal Property — All belongings inside your unit.

  • Loss of Use — Temporary living expenses if your unit becomes uninhabitable.

  • Personal Liability — Protection if you accidentally cause injury or damage.

  • Loss Assessment — Covers your share of HOA‑imposed assessments after a covered building loss.

Optional Enhancements

  • Water damage from plumbing failures

  • Special assessment coverage

  • Scheduled valuables

  • Identity theft protection

  • Earthquake or flood (depending on region)

Ideal For

Condo unit owners who need coverage beyond what the HOA master policy provides.

Why These Policies Matter

Your home is often your largest asset. A single fire, burst pipe, or liability claim can create significant financial strain. Homeowners and Condo Owners Insurance ensure you can repair, rebuild, replace belongings, and protect yourself from lawsuits — keeping your financial future secure.