A home is more than a house. This is true whether the home is a house, a condominium, a cooperative or a rented apartment. Each one is unique and requires an experienced organization to write a proper insurance plan. SKCG’s professional staff has years of experience tailoring programs to meet specific client needs.
Homeowners insurance insures the home itself, the possessions inside and expenses associated with living elsewhere after a claim. Homeowners insurance is a package policy. It covers both damage to property as well as liability or legal responsibility for injuries and property damage to others caused by the insured.
Damage caused by most common disasters is usually covered, but there are exceptions. The most significant are damage caused by floods and earthquakes. In those cases separate policies can be obtained or specific coverage can sometimes be added.
SKCG has found that the home safety checklist viewable here (http://www.homesafetycouncil.org/SafetyGuide/sg_topten_w001.asp ) has excellent suggestions for homeowners.