Comprehensive protection for your home and all personal property inside as well as medical and legal coverage.
Complete coverage no matter the size or amount of damage, your policy will replace or repair your vehicle and help passengers.
More affordable than you think (less than $8 a month in most cases) and most importantly it covers all of your belongings.
There are limits to your condo association's policy and for that reason condo insurance will protect any loss you incur to the interior of your condo as well as your possessions.
Enjoy the peace of mind knowing you and your family are protected from expensive medical bills. Compare health insurance quotes and select the best policy for you and your family.
Feel confident and proud that your love ones will be provided for financially after your death.
Homeownership is the cornerstone of the American dream. We all have seen the images of the house with the well manicured lawn and white picket fence. While this is commonly referenced as the peaceful life in the suburbs; the American dream in metropolitan areas consists of modern and contemporary designed condos and historical Victorian town homes. Either way, the protection of that dream along with the safekeeping of your family and personal belongings must be at the forefront. Homeowners Insurance (or simply, Home Insurance) provides that protection and security caused from an unlikely event including: burglary, fire, or natural disaster.
Whether you are initially looking or just shopping around for better insurance rates, its best to get several home insurance quotes to compare policies and agencies to ensure you are getting the very best and less expensive home insurance rate. At TenantsDirect.com, we understand your need for the best coverage and better insurance rates and have developed the relationships with the leading insurance carriers that allow you to compare and save on the right insurance policy that fits your needs. Rates can be different depending on the type of home and state and city, in which you live, however the important factor is that you are covered. In areas of the country that experience frequent natural disasters, its even more critical to ensure the security of the investment you have made in your home.
Tips for the Right Home Insurance Policy
1) Insure your home for the total replacement cost. In the event the home or areas of the home are damaged or destroyed, be sure your home insurance policy covers the full cost to repair or replace. To properly access the cost it will take to repair or replace its best to consult with your local builder or real estate appraiser. He or she will be able to tell you the average building cost (labor and materials) in your area per square foot. From that point, you can simply multiply that rate by the damaged square feet in your home.
2) Know what is covered by your policy. While fire, theft and natural disasters are the common events that are covered, it is important to know what is not covered as well. As an example, some high-priced possessions (i.e., jewelry, antiques and other valuables) are usually not covered or have limited coverage. It is recommended to obtain appraisals for valuables before any loss. Additionally, damages caused by floods, terrorism or war related events are typically not included in policy. You should know that while these items are not standard coverage, you can purchase extended protection that will include all of the above.
3) Select a reasonable deductible. The golden rule is the higher the deductible, the lower your monthly premiums. Keep in mind you will be required to pay this amount in the event of a claim (i.e., fire damage). Typically, a comfortable deductible is in the range of $200 to $500.