Residential Property Insurance
Coverage for the place you call home and the residential properties you own
Whether you own a home, rent an apartment, own a condominium, lease a property to tenants, or have a residential property that is temporarily vacant, the right insurance coverage depends on how the property is used and what you need to protect.
I work with a broad network of insurance carriers to help individuals and property owners explore coverage options appropriate to their circumstances.
Explore Coverage Options
Homeowners · Condo · Renters · Landlord · Vacant Property · High Value Home
Typical Exclusions and Additional Considerations
Let’s Talk
Homeowners Insurance
Homeowners insurance can help protect your home, personal property, and financial interests against a range of covered losses.
Coverage can include:
Dwelling coverage for the structure of your home
Other structures such as detached garages, sheds, and certain other structures on the property
Personal property for covered belongings inside and outside the home
Personal liability for certain claims involving bodily injury or property damage for which you may be legally responsible
Additional living expenses when a covered loss makes your home temporarily uninhabitable
The appropriate coverage and limits depend on factors such as the property, its construction, your belongings, and how you use the home.
Homeowners Insurance available in*:
California
Carriers I offer coverage with:
Do you own a particularly high-value home?
Specialized high-value home insurance may provide broader coverage and higher limits than a conventional homeowners policy.
Condo Insurance
Condominium owners have different insurance considerations because the condominium association typically maintains insurance for common areas and certain portions of the building, while the individual unit owner is responsible for other property and exposures.
Condo insurance can provide coverage for:
Personal property
Improvements and betterments to your unit, depending on the association’s governing documents and policy
Personal liability
Additional living expenses following a covered loss
Other coverage that may be appropriate based on your circumstances
The responsibilities of the unit owner and condominium association can vary, so reviewing the association’s insurance requirements and governing documents can be an important part of determining appropriate coverage.
Condo Insurance available in*:
California
Carriers I offer coverage with:
Renters Insurance
If you rent your home or apartment, your landlord’s insurance generally covers the building, but not your personal belongings.
Renters insurance can provide coverage for:
Personal property such as furniture, clothing, electronics, and other belongings
Personal liability for certain claims for which you may be legally responsible
Additional living expenses following a covered loss that makes your rental temporarily uninhabitable
Your landlord may also require you to carry renters insurance as a condition of your lease.
In some cases, the landlord or property management company may ask to be listed as an additional interest or receive proof of insurance.
Renters Insurance available in*:
California
Texas
Washington
Carriers I offer coverage with:
Landlord Insurance
Owning a rental property creates different insurance needs than occupying the property yourself.
Landlord insurance can be designed around residential properties that are rented to tenants and may provide coverage for:
The residential structure
Landlord-owned property at the premises
Liability protection
Loss of rental income following certain covered losses
Other coverage appropriate to the property and its use
Whether you own a single rental property or multiple residential properties, the appropriate insurance depends on factors such as the property, occupancy, rental arrangement, and applicable underwriting requirements.
Landlord Insurance available in*:
California
Texas
Carriers I offer coverage with:
Vacant Property Insurance
A residential property that is vacant or unoccupied can present different insurance considerations from an owner-occupied or tenant-occupied property.
Some standard residential insurance policies may have restrictions or limitations associated with extended vacancy or non-occupancy. Specialized coverage may be available for eligible properties depending on the circumstances.
Vacant residential property insurance may be relevant when a property is:
Between tenants
Being prepared for sale
Undergoing renovation
Recently purchased but not yet occupied
Temporarily unoccupied for an extended period
Because eligibility and coverage can vary significantly, I can help you understand what information is needed and explore available options for your property.
Vacant Property Insurance available in*:
California
Texas
Carriers I offer coverage with:
High-Value Home Insurance
High-value homes and their contents can require different insurance considerations from a standard homeowners policy.
Specialized high-value home insurance may provide broader coverage options and higher limits for properties and belongings that have significant value.
Depending on the policy and carrier, considerations may include:
Higher dwelling and replacement-cost needs
Valuable jewelry, art, collectibles, and other possessions
Specialized valuation for high-value personal property
Higher personal liability limits
Additional coverage options for unique property and lifestyle considerations
High-value home insurance is generally designed around the individual property and the owner’s circumstances rather than relying solely on standard homeowners policy limits.
High-Value Home Insurance available in*:
California
Carriers I offer coverage with:
Typical Exclusions and Additional Considerations
Like any insurance policy, a residential property insurance policy will have exclusions and limitations.
Normal wear and tear, maintenance issues, and deterioration aren’t generally covered. Some losses may be excluded depending on their cause and the policy language.
I’ll help you understand important exclusions and identify situations where additional coverage may make sense.
Do you own valuable jewelry or other collectibles that may require additional coverage?
Oftentimes, certain valuable possessions may require scheduling or additional coverage. If you have collectibles or jewelry that is not covered by your residential insurance policy and you have concerns about insuring those valuables, please explore their coverages here:
Am I covered in the event of an earthquake or flood?
Damage from earthquakes and floods are generally excluded from standard residential property insurance policies. If you’re financing a property, your lender may require you to carry earthquake and/or flood insurance as a condition of your mortgage.
If you are concerned about earthquake or flood exposure, please explore their coverages here:
What property insurance do I need if I own commercial property?
If you own a commercial building or other property used for business purposes, you may need a different type of property insurance than the residential coverage described on this page.
If you own commercial property that you need to insure, please click here to explore coverage for your commercial property:
Ready to discuss protecting your residential property?
Let’s talk about your home, your property, and the coverage needed to protect them.
Already have residential property insurance? I’m also happy to review your existing coverage with you and help identify questions or areas that may warrant further consideration, especially if your property has undergone recent changes.
At this link, please select Property under the Personal category when submitting your quote request.
*Licensing does not guarantee that every insurance product or carrier is available in every state. Carrier appointments, underwriting requirements, product availability, and eligibility vary by state and by individual risk.
If I am not currently licensed to offer the insurance solution(s) you are seeking in your state, I may be able to obtain the necessary licensing or connect you with a licensed professional who can assist you.
