Homeowners Insurance
Combines coverage for the home and the property it sits on; your personal property in the home; and your liability as the homeowner for injury on your premises or for bodily injury or property damage that results from your actions. Generally includes coverage for a temporary move if you can’t live in your home because of an insured loss. Can also include replacement coverage.
Condo Insurance
Designed for owners of condominiums and cooperative apartments. Typically covers your unit, common areas as required by your association agreement, and structures such as a private garage you own elsewhere in the complex. Includes modest liability coverage. Optional additions can include coverage for renting or leasing your unit to others; higher limits on liability or loss assessment; and loss assessment in case of an earthquake.
Renters Insurance
Offers property and liability coverage for tenants of apartments, single-family homes and other rental properties. Pays for loss-related expenses such as damaged clothing, furniture and other personal property; temporary living expenses; repair charges, debris removal and loss assessments; and credit card loss. Optional additions include inflation guard coverage, higher personal liability limits, earthquake coverage and special coverage for valuable items and collections.
Dwelling Insurance
Similar to homeowners insurance, but with a narrower scope. Typically covers the dwelling and other structures, personal property and temporary living expenses. Does not cover personal liability, theft and medical payments, for which you can purchase supplemental policies.
