Property Insurance

When you need to leave a legacy behind for your loved ones, you almost always invest in Life Insurance. If you want to protect your investment, like your house and the contents therein, you will make sure that you have property insurance. We have a wide range of property insurance policies to offer depending on the type of property that you want to protect.

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Homeowners Insurance

The home is a major investment that every homeowner should protect. The Homeowners Insurance is a valuable tool in making sure that you have the capacity to protect your home when it has been destroyed or damaged by specific causes like fire, wind, lightning, and explosions. Theft is also one cause that is acceptable to insurance companies and most often than not, provides a coverage for replacing the items that were stolen. However, natural disasters like flood and earthquake are often covered through additional coverage and are offered on a case to case basis especially if you reside in a high-risk location.

Renters Insurance

Homeowners are not the only ones who need to protect the contents of their home. Renters, in particular, like those who live in apartments and condos who don’t own the property they’re living in, need the protection of renters insurance to protect their personal property in the case of accidental fire, wind, lightning and explosions that occur in their residence. An additional coverage that you may want to have is personal liability protection in case someone in your building, say a guest or a fellow resident was hurt within your apartment or whose property gets damaged from your unit.

Investment Properties/Fire Dwelling

Most property insurance covers the homes against specific causes, but what if you don’t live in your home and have it rented out? An alternative insurance that you can purchase for your investment properties is Dwelling Fire insurance. It offers most of the same coverages as a Homeowners Insurance except that it’s applicable to homes and apartments which are mostly for investment purposes.

Builders Risk Insurance

Property insurance isn’t exclusive to homeowners only. It extends to owners/ contractors who need to protect their job site and the structure that they’re building. Since regular property insurance provides coverage for actual structures and finished buildings, buildings under construction need to be covered under a different property insurance type, like the Builders Risk Insurance. It will provide coverage not just for the structure but also for the materials and equipment used in putting up the building. It also protects against theft.

Vacant Property Insurance

When a house is expected to be empty because its owners are going on vacation or relocating somewhere else for the short or long-term, it’s imperative that a Vacant Property Insurance policy be in force for the time being. It protects the house against vandalism, theft and other specific causes like fire. Vacant property insurance can be applicable to homes that have been vacant for as little as 30 days up to 36 months, homes for sale and have been vacated by their occupants, homes under estate provision and homes under renovation.