Insurance
Home Insurance Products
Types of Coverages
The four types of homeowners insurance coverage are:
Structural — Covers damage to your home or dwelling.
Personal Belongings — Covers damage to items in or on your home or dwelling.
Liability Protection — Covers your legal responsibility for injuries or damage to other people or property.
Additional Living Expenses — Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.
Types of Coverages
The four types of homeowners insurance coverage are:
Condo Insurance
Condo Insurance Coverage Options
Condominium insurance covers personal property, liability and parts of the unit that are your responsibility. It may also protect you from certain assessments levied by the condo association. You’re also covered for costs you incur over normal living expenses if you have to vacate your condominium.
Renters Insurance
Renters Insurance Will Cover:
Flood Insurance
Flood Insurance is offered through the National Flood Insurance Program. Although the government actually provides the coverage, Roeding Insurance issues the flood insurance policy through one of our participating companies, and in the event of flood damage, would also service your claim.
Vacant Homeowners
A homeowners policy isn’t designed to protect a vacant home. If an insurance carrier finds out you’re insuring an unoccupied home with a homeowners policy, you may end up with a reduction in your coverage, or even a denied claim. There are reasons why a homeowners policy isn’t designed to protect a vacant home. We have carriers who specialize in insuring vacant properties, and can provide you with vacant home insurance at competitive rates, some with term options of 3, 6, or 12 months.