Homeowners insurance is coverage for your property that you live in. This coverage will help repair of even rebuild your home in the event of a covered loss. This will also cover your personal belongings as well as other structures on your property not just the home itself. This coverage is for those who want the peace of mind that their home and family are covered in the event of a loss.

Renters insurance acts as a home insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, duplex, etc., renters’ insurance can protect you and your valuable assets.

Vacation home rental insurance is used when you own a second home or vacation property. Often a home is used personally by the owner or family, and then regularly rented as a short- term vacation rental as well (E.g., Airbnb, Vrbo). If you only rent out the property occasionally, you might be able to get a rider or endorsement on your homeowners or condo insurance policy. If you rent out more frequently, a stand-alone commercial or business liability policy might be recommended. With the right Vacation Rental policy from First Choice Insurance we take the worry away.

If you live in a condominium unit, you need condo insurance. Condo insurance is coverage that helps. protect against losses and repair costs for a condominium unit. Condo insurance often  provides protection for theft, vandalism, fire damage, water damage, and more. Simply put, it covers your personal belongings and the interior of your structure— from the walls in. You will also have liability protection for bodily injury or property damage to others. This insurance can still come in handy, even if your condominium association has their own coverage.

Landlord Insurance sometimes also referred to as Dwelling Fire is like Homeowners insurance in that it helps cover your property in the event of a loss. The difference between the policies is that Landlord Insurance is for those who rent out the property. Because of this, it comes with different types of property and liability coverages Landlord Insurance is for those who own rental properties and want to have peace of mind that their property is covered.

Flood insurance is mandatory for homeowners who have a federally back mortgage and are living in a flood zone. Flood insurance is any outside water coming into the home that affects more than two homes. Anyone can purchase flood insurance, but certain mortgages require it based on the location of the home.

Earthquake insurance is a form of property insurance that pays policyholders for damage to the property due to an earthquake. Anyone can purchase insurance, but there is a 30 day waiting period.

An umbrella policy is exactly what it sounds like. It provides an umbrella for you to stand under. Liability issues are everywhere, and you never know what could cause someone to come forward with a lawsuit. Umbrella policies protect you from these liability issues that go beyond the liability limits of standard insurance policies, such as home or auto insurance. This policy will put you under the umbrella so that when you exceed the liability coverage limits on an insurance policy, you will still be protected.