our lifestyle is as unique as you are, so let us customize your insurance policies to reflect your particular needs.
Many people are not aware that a regular homeowners’ insurance policy does not include coverage in the event of an earthquake until it’s too late. With these types of natural disasters being reported more and more frequently, it makes sense to defend yourself against the incredible losses that can occur. Be proactive and speak with your Fullhart Insurance Agent about adding an earthquake policy to your existing homeowners’ coverage.
Homeowners’ policies exclude flood as a covered cause of loss, so a separate policy must be purchased to protect you from damage caused by a flood. Flood insurance is offered through the National Flood Insurance Program and is available through a variety of different insurance carriers. We can do the shopping for you to find the flood policy that will provide the coverage you need at a price you can afford.
Landlord Protection insures apartment buildings, dwellings rented to others, and condominium units held for rental. Coverage includes buildings, liability, and loss of rental income. Loss assessment protection is available to owners of residential property in condominiums, homeowners associations, and other planned communities.
You may not own the place where you live, but you still need insurance protection. Renters insurance will protect your personal property, your liability, and moving expenses if your home becomes uninhabitable because of an insured loss.
Umbrella (Extended Liability) Insurance
If you accidentally injure someone or damage their property, you could potentially be involved in a costly lawsuit. Verdicts amounting to hundreds of thousands of dollars are being awarded by juries across the country in increasing numbers. Even though your underlying policies may provide substantial liability limits, it is not uncommon today for juries to award damages that exceed those limits. Umbrella coverage provides you higher limits and peace of mind in the event that you are faced with a liability claim.
If you own a property that is currently vacant of any tenants it is important to have coverage that protects you and your investment in the event that any losses occur during that time. Since a vacant property assumes that there is no one present to regularly inspect and oversee it, premiums can be more costly than that of a regular homeowners’ policy. However, we write vacant property policies with a variety of different insurance companies and can shop for the best possible rate in order the keep your payments within your budget.