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:

  • Your possessions.
  • Liability if someone sues you for an injury they got at your home.
  • Possessions when they are away from your rental home, including in your car.Additional living expenses. If you can’t stay in your home or apartment because of something like fire or pipes exploding, your renters insurance policy will cover some of the costs for living somewhere else while repairs at the residence take place.
  • Living expenses coverage is usually limited to either aspecific period of time, or what the renters insurance company considers a “reasonable length of time.”  To prevent abuse, there is a cap on the amount of additional living expenses the insurer will pay, usually apercentage of the total renters insurance liability limits.

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.