Home & Renters
HOME
Whether you’ve bought your first house or fourth, a new condo, or your dream property, you need to protect that home and its contents. You never know when disasters will strike, causing you to face unexpected losses. The right home insurance can protect your property, your family, and your treasured possessions.
Home insurance, also known as homeowners’ insurance, typically covers damage or losses at your personal private residence. If there’s an extreme weather event or natural disaster, such as lightening, a hailstorm or if a tree falls on your house from wind, you’re covered. If you’re the victim of fire or theft, rest assured, you’ll also be protected. When you experience a covered incident, your policy will provide funds to rebuild or repair your home and replace your possessions. (If you have expensive items, such as jewelry, art, or collectables, you might want to consider buying additional coverage.)
Home insurance is also there for unexpected occurrences in your home. If you have a sudden incident, such as a water leak, burst pipe, or your front steps collapse, your policy should cover the repairs and any property losses. If you need to vacate the premises, it may also pay for temporary housing. Homeowners’ insurance can also cover some damages associated with accidents or incidents on your property.
Home insurance offers both peace of mind and financial security. To determine the best coverage for your property, contact to your Waterton Insurance agent for more information and to get a quote.
RENTERS
When you rent an apartment, condo, or house, it’s important to safeguard your belongings. Renter’s insurance protects you and your possessions from unexpected incidents and damage.
If you’re new to renters’ insurance, a policy usually covers personal property, related living expenses, and personal liability which many people aren’t aware of. Sometimes called tenant’s insurance, it offers protection in the event of theft, vandalism, fire and smoke, natural disasters, or accidents for instance. These are typically called covered perils. Your landlord’s insurance typically won’t cover your personal losses, so you need to look out for yourself.
If you’re impacted by a covered event, renter’s insurance usually pays to replace your belongings. And, it might even cover personal property stolen outside of your home, such as a computer taken from your car.
There are additional benefits. If your rental is damaged and you must stay in a hotel, your policy may pay for temporary housing. Liability coverage could offer you financial protection in case of an accident that causes injury or property damage. For instance, if you accidentally hurt someone on the ski slope, someone gets injured in your rental, or you cause property damage to others, your liability coverage could offer you protection.
When unexpected situations arise, renter’s insurance can protect your prized possessions and provide the support you need. Contact your Waterton Insurance agent to learn more and get a quote.