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At Steffey Hatoway, we are proud homeowners too. We are committed to helping you navigate through this critical policy decision. You’ve worked hard to secure a safe and proud home for you and your family. The next step is protecting your family and your property from the catastrophic exposures that can take it all in the blink of an eye.
As your leading, local independent agency, we have trained insurance specialists that can walk you through the complicated process of comparing coverages and deductibles. Our specialists have the ability to quote multiple insurance carriers to ensure a customized homeowners insurance plan. No matter where you are located or what your situation-we are here to help you protect what matters most!
Typical coverage packages for Homeowners Insurance can include protection for the following:
- The physical building or your home
- Other structures located on the premises
- Personal possessions
- Additional living expense (in the event or covered loss or natural disaster)
- Personal Liability
- Medical payments to visitors injured in the home
Standard is exactly that, standard. Many policies need to be endorsed with specialty coverage for those who are vulnerable to unique exposures. Our fully customized policies can be enhanced to meet your specific needs. Clients can benefit from addtional coverage options, including:
- Inland Marine (valuables i.e. jewelry)
- Water Back-up and Sewer and Drain coverage
- Earthquake insurance
- Umbrella insurance (additional liability coverage)
- Animal liability (liability due to household pets)
- Identity Theft insurance
- Home business endorsements
We know what may work for one homeowner, won’t work for the next, which is exactly why we aim to be local, personal, and customizable. Call us today for a quote on your Homeowners Insurance.
Have a condo? Need insurance? You’ve come to the right place.
If you own a townhouse or condo, you have different insurance needs than the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure or your building. Although your association dues help pay for upkeep of the common areas, they do not typically cover you personal property or your liability if someone is injured on your property.
Condominium insurance provides protection where condo associations do not. Condo and townhouse coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, and wallpaper. Depending on your association by-laws you may also need to cover light fixtures, flooring, paint, and in some cases the unit owner is responsible for everything inside the studs.
If you would like to feel more secure, you should look into purchasing a condo or town house insurance plan from Steffey Hatoway. Contact us to get a condo or townhouse insurance quote.
Do you rent a home? Apartment?
Generally speaking, renters insurance acts as a homeowners insurance policy for those who rent, and inevitably can help protect you and your assets. Having renters insurance can also help to pay for somewhere else to live if something were to happen to the building where you are living.
Do not make the mistake of assuming your landlord’s homeowners insurance or the apartment complex will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property-not your belongings. They have no insurability to anything you own and have put in their structure.
Contact one of our agents to make sure that your personal assets are insured properly and that the premises rented to you also contain personal liability coverage while occupying the space as a tenant.