Coverage can protect your Building as well as certain types of related structures and attached fixtures.
Coverage perils can be selected as
All direct physical damage is covered except exclusions such as war, nuclear radiation, earthquake, flood, radon, and others listed in the policy.
This helps offset the loss of income or rent due to a covered loss. Automatic coverage is up to 12 months, subject to the limit shown (20% of Building + 100% of Contents Limits). Optional coverage is available.
Depreciation for age, wear, tear
Business Personal Property in your business or provided by you as a landlord in rental properties (appliances, furniture, etc.).
SPECIAL NOTE: Tenant-Owned Personal Property in rental units is not covered.
You choose a deductible (portion you pay) of $250; $500; $1,000; $3,000; $5,000; or $10,000. Raising your deductible lowers your premium.
Provides legal defense and a settlement
Available limits are $300,000; $500,000; or $1,000,000.
You can have additional coverage with a stand-alone Excess Liability Policy.
Provides coverage for property you may damage that is under your care, custody, control…the unit you occupy as a business tenant. Available limits are $50,000; $300,000; $250,000; or $500,000.
Offers assistance to visitors injured at your business or rental property, even when you are not negligent.
Your business or rental dwelling must adhere to local code enforcement regarding carbon monoxide & smoke alarms as well as other safety issues.
We ask for the opportunity to review your needs when purchasing home insurance. We also provide a written review each year.