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Personal Lines

Home insurance cover with extra special rates are available for: Home, Renters & Condominium, special Coverage for Flat Roof, Flood Risk, Holiday Home, Household, Landlords, Listed Building, Park Homes, Tenants, Thatch Roof, Unoccupied Homes, Wood Built and many more.

Homeowners Policy HO-3

This homeowners policy provides coverage for most causes of direct physical loss. It is extremely important that homeowners know the replacement value of their home and insure their homes for that value. An insured may elect either actual cash value or replacement cost coverage for personal property.

This homeowners policy has two sections of coverage:

Provides property coverage for

*Scheduled dwellings

*Insured’s personal belongings

*Most unattached structures

*Expenses that the insured may incur because of the loss of use of the dwelling at the time of a covered loss

Provides liability coverage for

*Bodily injury and property damage caused by a covered occurrence .

*Some medical payments to others while on the insured’s property or as a result of the insured’s personal activities

Renters Policy HO-4

Renters insurance is tailored to address the needs of a renter. These needs, naturally, differ from those of a dwelling or condominium unit owner who insure the real property. In the event of loss, the owner’s policy will not cover a renter’s belongings, but a renters insurance policy will. Like the homeowners and the condominium policies, the renters policy is a package policy. It provides coverage for household items in the event of fire, theft or other covered losses..

Condominium Owners Policy HO-6

Condo insurance provides coverage for that part of the condominium owned by the insured and not covered by the association’s insurance policy. This condo policy provides coverage for personal property, fixtures and improvements attached to the building, and personal liability. The condo policy then insures the remaining open interior; however, because scope of ownership does vary, consumers should review their association’s insurance policy, by-laws, articles, or operating rules to understand their interests.

For questions about our Personal Lines Programs, contact at 916.427.4321, or email : sacramento99@yahoo.com