Personalized solutions:We know that one size does not fit all when it comes to protecting your most valuable asset. From rentals and condos to historic and million-dollar homes, we’ll recommend the coverage you need for your unique property. ...
Additional home insurance coverage types in New Jersey As a coastal state, New Jersey sits perched on the Atlantic Ocean, leaving it vulnerable to specific risks. Hurricanes moving up the East Coast often bring damage to homes in the state, either from water damage or high winds. Wildfires are...
You might live in a modern ranch spread, but the lady down the street is in a historic Tudor Revival, while your friend owns a condo and your uncle is a landlord. Good thing homeowners insurance policies come in different types! HO-1 and HO-2: Think of these as the Speedos of home ...
The good news: insurance carriers offer more solutions than ever to tackle issues that contribute to property damage. The downside? There are way more decisions to make. Whether you own one primary residence or multiple homes around the world, your Risk Strategies broker will explain how to augm...
HO-8: This policy is designed to cover the proud owners of a historic home. They’re expensive because old homes fall apart a lot, and repairs require special expertise and materials. It also provides the other typical coverages, like liability and personal property. ...
Older and historic homes are usually more expensive to insure than newer homes. This is because insurers consider them a higher risk than newer homes since they can be fragile, their construction materials may be obsolete, and certain structural components like the roof or plumbing may not be in...
When looking into insurance, it helps if you have someone you can trust to help you in the process. For those who do not, there is always the web to do some good searching. When doing this, many find that there may be a fair disparity between quotes for homes and property in the co...
Matching materials coverage:Not every homeowner might need this endorsement, but policyholders with older or historic homes could find the coverage invaluable. With this rider, the insurance provider will pay for replacement materials that most closely match the home’s quality and type. For homes ...
Older and historic homes are usually more expensive to insure than newer homes. This is because insurers consider them a higher risk than newer homes since they can be fragile, their construction materials may be obsolete, and certain structural components like the roof or plumbing may not be in...
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