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Homeowners and Umbrella

Homeowners and Umbrella

Home, Mobile Home

Crime, accidents and severe weather are part of life, and every home experiences loss or damage of some kind, at some point. You can’t predict when you will experience a loss, but you can protect yourself financially. Where do you begin, and how can you compare homeowners insurance quotes when it seems every company offers something different?

Start by getting a free home insurance quote from BRS Insurance Services. We can compare rates for you so you can get on with enjoying your home and family.  We can also answer any questions you may have about how to get the right homeowners insurance for your needs, including personal property coverage, liability and more.

Condo

Condominiums offer an alternative to traditional single-family home ownership with the benefits of hassle-free grounds keeping and maintenance of common areas. Condo owners can protect their personal belongings and finances with a condominium insurance policy that is designed for their specific needs.

Rental

Renters insurance provides low-cost coverage for your personal belongings, so you can recover from loss, damage or theft. It also covers your personal liability. Your landlord’s policy covers the building and grounds, but will not reimburse you for the costs of your personal items in the event of a loss, or cover the costs of injuries or damage that happen inside your apartment space.

Landlord

Landlords insure their rental properties with homeowners or landlords insurance. These policies provide coverage for the structure of the building, any personal property the landlord owns (such as appliances and carpeting) and liability for injuries due to the property owner’s negligence in upkeep or safety of the property.

Mobile Home

Mobile homes are handled a little differently than site-built homes by insurance companies because they are not built onto a foundation. Modular homes, on the other hand, are typically treated more like traditional homes when it comes to buying insurance.  No matter it’s construction, your home is important to you and your family and is likely your biggest asset. To protect this major investment, BRS Insurance Services can make sure you have the right coverage for your needs and budget.

Umbrella

A rain umbrella protects you from getting wet, but doesn’t stop the raindrops from falling. Umbrella liability insurance is similar in that it cannot prevent accidents or mishaps, but can make those things less devastating financially.

Your primary insurance coverage, like your homeowners and auto policies, includes liability coverage up to a certain limit. Liability is your legal responsibility to pay for damage to a person or to a person’s property. An umbrella policy increases your liability coverage substantially—more types of claims are covered and at a higher limit.

 

Who Can Benefit from Umbrella Insurance?

  • Anyone with assets to protect
  • Everyone who drives a vehicle, including a car, motorcycle, boat or ATV
  • Everyone who owns or rents a home