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HOME INSURANCE

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What Is Renters Insurance?

 

Renters insurance provides low-cost coverage for your personal belongings, so you can recover from loss, damage or theft. It also covers your personal liability. Your landlord’s policy covers the building and grounds, but will not reimburse you for the costs of your personal items in the event of a loss, or cover the costs of injuries or damage that happen inside your apartment space.

 

In the event that your personal belongings and valuables are destroyed in a building fire or stolen by a thief, you need to have a renters insurance policy in place to cover your losses. If you do not have such a policy, you will need to recover from your loss out of pocket.

 

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What Is Homeowners Insurance?

 

Homeowners insurance, also referred to as home insurance or property insurance, provides coverage for your private home and compensates you in the event of a loss. If your home is burglarized or is partially or totally destroyed by a cause that is covered by your policy, homeowners insurance will help you replace your belongings, repair your home, or even rebuild.

 

Homeowners insurance also provides liability coverage which protects you, the homeowner, in the event that someone is injured on your property or you are deemed responsible for personal injury or property damage through negligence.

 

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What Is Condo Insurance?

 

Condo insurance provides coverage for the inside of your condominium; the external areas fall under the jurisdiction of your condo association and must be covered under the association’s insurance policy. Depending upon the specifics of your condominium association’s master policy, your condo insurance may include coverage for:

  • The interior walls

  • Your appliances

  • Your personal property and valuables

In addition to covering your belongings in the event of a loss, your condo insurance also protects you against liability claims iif you are responsible for another person’s injury or property damage, or you have legal fees to pay due to a lawsuit.

 

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So what's the big deal about Univision Insurance?

 

We work with multiple insurance companies to get you the best value on your insurance policies. Our database shows almost all Insurance companies that provide insurance in your neighborhood so you can choose the one you like the most.

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