Home Insurance

Buying the right type of policy now will help you protect your investment.

There are several types of home insurance policies:

HO-1
Basic homeowners policy-covers your home against 11 named perils (causes of loss)

HO-2
Broad homeowners policy-covers home and contents against the same 11 named perils as an HO1 as well as weight of ice and snow,vehicle damage,plumbing or appliance leakage,sudden and accidental boiler or a/c explosion damage, freezing of plumbing heating or a/c systems, falling objects,collapse of building and electrical surge or brownout.

HO-3
Special homeowners policy-covers all perils except those specifically excluded by the policy.

HO-4
Renters policy-covers 17 named perils and includes liability coverage. The dwelling itself is not insured just the possessions of the tenant with the policy.

HO-6
Condo owner, co-op or townhouse policy-covers personal property, liability coverage and improvements to the owner's unit. The condo association's insurance coverage normally covers most of the actual structure.

Every one of these types of policies has different variations so there is more to consider than just price. By working with a professional agency like The Feltner Group we can design a policy to your specific insurance needs.