Giving You Peace of Mind with the Best in Home Insurance Products
HOME INSURANCE
Home insurance is important in protecting your property and assets against accidents, weather-related disasters, and theft.
At Garrett Insurance, we offer a wide array of home insurance options so our clients can find the best coverage for what matters most.
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Homeowners Insurance Policies
Homeowners Liability
Homeowners liability insurance protects you in the event someone becomes injured on your property. It can also offer protection if you accidentally cause damage to someone else’s property. Your policy can help cover the medical expenses, legal fees, or other costs associated with these incidents.
Property Insurance
Property insurance covers your property, including your home, after damage caused by:
- Theft
- Weather-related natural disasters
- Fire
- Certain other events
This type of insurance covers the structure of your home and your personal possessions, such as electronics, furniture, and appliances.
Other Types of Home Insurance
There are other variations of home insurance for individuals who do not own single-family homes, including:
- Condo insurance
- Mobile home insurance
- Renters insurance
These policies combine elements of homeowners liability and property insurance for individuals who live in condos, mobile homes, or rented homes or apartments.
Condo insurance covers the condo’s interior and your personal belongings. It also offers liability protection if someone is injured on your property.
Mobile home insurance covers the structure of the home and your possessions while also offering liability protection.
Renters insurance covers your belongings and offers liability protection. It also can help pay for additional living expenses if you need to relocate temporarily due to a covered event like a fire.
Landlord Insurance
Landlord insurance is for property owners who rent out their apartments or homes to tenants. These policies include:
- Coverage for the building
- Liability protection
A landlord insurance policy can also cover loss of rental income if the property is damaged to the point of being uninhabitable.
In-Home Business
For individuals who operate businesses from their homes, in-home business insurance offers protection from losses associated with liability claims or business-related property damage.
Scheduled Property
Scheduled property insurance is an add-on option for your policy that helps cover damage to high-value items like antiques, artwork, and jewelry.
Home Insurance
For all your home insurance needs, contact Garrett Insurance. Our team will guide you through choosing and obtaining comprehensive coverage for your most valued possessions, protecting your assets from accidents and losses.
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Frequently Asked Questions
What does home insurance typically cover?
Home insurance generally protects your property and possessions against risks like fire, theft, weather-related damage, and liability if someone is injured on your property
What is homeowners liability coverage?
Homeowners liability coverage helps pay for medical or property damage costs if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Do I need a special policy if I don’t own a house?
Yes — you might need a condo, mobile home, or renters insurance policy. Each is designed to meet unique property types, covering belongings and liability in situations where standard homeowners insurance doesn’t apply.
What is landlord insurance?
Landlord insurance covers rental properties, protecting both the building and potential loss of rental income if the property becomes uninhabitable due to damage.
Can I get coverage for valuables like art or jewelry?
Yes — you can add \”scheduled property\” endorsements to your policy to cover high-value items like artwork, antiques, or jewelry that aren’t fully protected under standard coverage.
Do I need Flood Insurance?
To protect your home, a separate flood insurance policy is needed. Lenders require it for properties in flood zones identified by FEMA maps. Most policies come from the National Flood Insurance Program (NFIP), though private insurers also offer coverage. Even outside high-risk zones, flood insurance offers peace of mind, as many flood claims occur in low-risk areas. If your property was built, remodeled, or expanded after September 1, 2009, and any part of your lot is in an NFIP-designated flood zone, you must carry flood insurance. This includes repairs or restoration of deteriorating structures unless coverage is unavailable in your area.
What is a percentage deductible such as 1% on my claim?
Some companies use a percentage deductible in the event of a property claim. Your deductible will be shown on your declarations page and is calculated as a percentage of the building covered. For example, if you have a 1% deductible on a $200,000 building, your deductible is $2,000. To determine the deductible amount just multiply the percentage by the building coverage limit.
OUR PROMISE TO YOU
- We will provide customized solutions and personalized products based on your needs.
- We will be available to you any time so getting important information will be easy for you.
- We will manage your risk as well as any claims that you file.
- We will ease your worry and protect your treasures by transferring identified risks to an insurance product, all the while keeping it simple to understand for you.
We welcome an opportunity to discuss your home insurance needs, so please contact us or give us a call. You can also request a quote if you’re ready to get started.