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Home Owners 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
Lightning
Windstorm, hail
Burglary or theft
Water damage
… and much more

Seasonal/Secondary Dwelling Insurance (a.k.a. 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. Tenants 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? Even the most modest collection of clothes and furnishings is 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. 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 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 is included in most condominium insurance packages.

Home Insurance Resources Does your home insurance cover your home renovations? Are you renting? You need insurance. Home Insurance mitigates risk on your greatest asset. What Is Personal Umbrella Insurance? What is Personal Liability under your Home Insurance Policy? What You Need To Know About Water Damage and Home Insurance.  

Personal Care Super Support Guaranteed

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