Home insurance is designed to protect you and your largest asset, your home, from loss when there is damage to your home itself, your furniture, or your possessions. This can be caused by an unforeseen event such as fire, theft, sudden pipe burst, etc.

Of course, homeowners insurance may also protect you from more common house-related incidents like pipe backups, burglary of personal possessions, and much more.

Some auto insurance policies simply meet the legal requirements. In most states, this means your auto insurance will cover the injurys you may cause to other people or property but not yourself or your own property. Lets face it, insurance is not the most entertaining thing to think about, but my commitment to you is to ensure you are equipted with the information you need to select the best protection options for you and your family and budget.

A renters insurance policy is available to protect the personal property you keep inside your residence wether you are renting a House, Apartment or even just renting a room. Renters insurance covers against damage or loss from burglaries, along with loss from events such as fires, certain types of water damage, loss of use and even provides liability coverage.

Landlord insurance is a policy for someone who rents out a home they own. This type of insurance typically includes two different types of coverage: property and liability protection. The property coverage works almost the same as property coverage with a Home or Condo policy with some nuanced differences. It is also important to let PAUL. know if your rental is being rented out in short-term increments. Ie: verbo, airbnb etc..

Builders risk insurance (aka course of construction) is defined as insurance that protects a person's or organization's insurable interest in materials, fixtures and/or equipment awaiting installation during the construction or renovation of a building or structure, should those items sustain physical loss or damage from a covered loss. Thats was a fun read wasn't it? Long story short, if you are building a house or doing majior structual renovations this may be the best policy for you. Call PAUL. to dicuss this in more detail.

Property insurance is a must-have when owning any sort of property, and if you are doing renovations to your property be sure PAUL. knows. Renovation coverage can limit your exposure to losses that can happen at the property during a rehab. Your coverage amount will depend upon the replacement cost of the home.

Boat insurance helps you keep your watercraft protected if it's in an accident or damaged by a covered peril, such as theft, fire or vandalism. It also helps protect you and your passengers if you get into an accident. There are many types of coverage avaliable, including medical payments coverage, liability coverage, property coverage and more.

Personal Umbrella policies can provide excess liability coverage above your underlying personal liability and auto liability policies. You’d usually get umbrella insurance when your main insurance policy has liability coverage limits that are too low for your needs. Umbrella insurance will only pay out when your main policy has already paid out in full, and it will only pay out the remainder of your costs up to a certian limit.

Looking for a particular type of insurance that you dont see here like, Life, Health, or Pet insurance? Call PAUL. to discuss additional coverage needs.