Your home is one of the biggest investments you will ever make. At Roughley Insurance, we want to protect you when the unexpected happens. Whether you own a home or condo, or rent an apartment, it is important to have the right coverage.
As an insurance brokerage, it is our job to get the best coverage in place for you and your family. Our highly trained staff will work closely with you to develop an easy-to-understand, personalized insurance package that protects everything that means most to you.
Protecting your property and your peace of mind… that’s the Roughley Advantage.
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We’ll find you the right coverage at the right price. In order to get the most accurate quote, one of our team members will be in touch with you directly.
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For many of us, buying a home is the biggest investment we will ever make. It is important to protect that investment. Having the proper coverage ensures that you and your family will be protected from losses such as;
- Fire, smoke
- Windstorm, hail
- Burglary or theft
- Water damage
- … and much more
Condo Unit Owner’s Insurance
Condo insurance is a little different from homeowners insurance. The Unit owner does not need to cover the entire dwelling, only the interior and contents such as furniture, clothing and electronics.
Condominium unit owners share in the responsibility of protecting the common elements. Common elements are areas that are shared by all unit owners, such as hallways, lobbies, pools, parking garages, elevators, etc. Loss assessment coverage is included in many condominium insurance packages, and provides protection if you were to be assessed responsibility for a portion of a loss that may involve a common element.
In cases where condominium unit owners have chosen to renovate or upgrade certain fixed portions of their unit, such as flooring and cabinetry, these upgrades need to be insured. Coverage for betterments and improvements are included in most condominium insurance packages.
Seasonal/ Secondary Dwelling Insurance
(cottages or summer homes)
Insurance coverages and rates for seasonal and secondary homes are slightly different than principal dwellings, for many reasons.
Occupancy is a heavily weighted factor in determining insurance rates on homes. Typically, rates of insurance for seasonal and/or secondary homes are higher due to the fact that there are usually brief periods of unoccupancy. In most cases, your insurance company may require that you visit or have your secondary/seasonal dwelling inspected at least once every 30-60 days.
Whether it is a home that you already own or one that you are considering buying, call Roughley today to discuss the details of your secondary or seasonal home. We would love to offer you a complimentary, no-obligation quote so that you can be sure that your investment is safe even when you are not around.
As a tenant, you may not own the building you live in, but you are responsible for all of the things you brought into it. What would you do if your apartment building suffered a major fire? Are you prepared to start over? Could you start over? Even the most modest collection of clothes and furnishings are costly if you had to replace them with new ones.
Tenant Insurance Policies can provide coverage for losses such as:
- Fire and smoke damage
- Theft or vandalism
- Damage caused by a windstorm or hail
- Legal liability insurance to protect you and your family should you cause bodily injury or property damage to someone else, including damage to the dwelling you reside in.
- And much more…
Tenant insurance is highly affordable and strongly recommended for every renter. It is also recommended that Landlords insist that their tenants invest in tenant insurance. It is important that you have a well-documented list of exactly what you own, and that you protect those belongings with an appropriate level of tenant insurance (click here to download a contents inventory insurance template). When, or if, you ever have to make a claim, having a detailed list of your possessions will make it significantly easier to have your claim handled quickly and fairly.
Short Term Rentals (Air BnBs)
Whether you are insuring the family car, the ‘team’ minivan, your ‘hauling on the weekends’ truck, Trailer or R/V, or your ‘gift-to-myself antique car or motorcycle, we can offer insurance coverage that fits.
Businesses come in all shapes and sizes, and so does business insurance. No matter what industry you are in, and no matter the size of your employee pool (even if the only employee is YOU), our Business Insurance Advisors can put together coverage that protects your business operations, your property and assets, and your peace of mind.
Get In Touch
Roughley’s team of insurance professionals is standing by to answer your call. If you have questions about your insurance, we invite you to call us and speak to one of our team members.