Home Insurance

This question refers to whether the home should be insured as a condo unit or as a full home. There are rare circumstances where units that may appear to be a condo actually requires a HO-3 form homeowners policy instead of the traditional HO-6 condo policy. If you think this may be you, give us a call or send an email to csr@stallioninsgroup.com

Over the years, we have heard all the excuses for why renters do not purchase insurance for their homes. Yes, many people get by without a need for the coverage that insurance offers but that does not mean putting yourself at risk in that manner is the correct decision for you or your family. You are lucky if you do. What is the cost of being unlucky, though? All adults that rent for their primary residence and do not have an easily accessible alternative living space, should have renters insurance to protect against risks which may mean both the loss of property and a living space.

Umbrella policies are the best coverage to not need. Most individuals will find that the umbrella policy sets up the insured for peace of mind that is beyond having coverage for both home and auto.

The need for Flood or excess Flood coverage should be evaluated on a case by case basis. However, the coverage amounts and the expense of the coverage likely conclude that those with the means should have a flood policy to protect their assets from unnecessary risk.