PROTECT YOUR FOUNDATION. YOUR HOME.
Your home is more than just one of your biggest investments. It’s where lifelong memories are made. We want you to sleep easy at night knowing that you are fully protected. Wherever you call home, Joan will make sure you’re properly covered.
Based on your living situation, Joan will ask the right questions to make sure everything that matters most to you and your family is insured. Feel comfortable, and at home, with your policy.
All personal belongings inside your home such as furniture, electronics and even bicycles can be covered in your homeowners policy. This also includes damage or theft to these items that occurs outside of your home. There are limits as to how much your policy will cover, so high-value items such as jewelry will need to insured under an optional add-on known as scheduled personal property coverage.
Condo insurance is similar to homeowners insurance but you will not need coverage that extends to the exterior of the building, the outside land and common areas. These are typically covered under your HOA. Basic liability is also included but you will only be responsible for injuries or damage to someone else’s belongings while they are inside of your property.
Coverage needed will depend on your HOA, so let Joan work with you to understand your level of protection.
MOBILE HOME INSURANCE
Renters insurance is specifically designed for people who are renting houses, apartments or mobile homes. Your landlord or property management company will insure damages to the dwelling, but will not cover damage to your personal property, so you will need a renters insurance policy to protect those.
Depending on your policy, it will also typically include liability coverage to pay for property damage or injuries to others if you are at fault.
SEASONAL / VACATION HOMES
Having insurance on your vacation or seasonal home is important. This type of insurance is similar to homeowners insurance. Some insurance companies allow you to add a second home to your current homeowners policies through an endorsement (or rider), while other companies require them to be on their own policy.
Different factors will be considered when determining premiums:
To insurance companies, renting or leasing out your home is considered a business activity and is not covered under standard homeowners insurance.
The following coverage needs to be considered in these cases:
Tenants need to purchase their own renters insurance to cover their own personal property.
The above information is for informational purposes only and will vary depending on your living situation. Please contact Mt. Hood Insurance Agency to understand what is included and covered in your specific policy. Make an appointment with us to find the right coverage for you.
EXPLORE COVERAGE OPTIONS
Please fill out the form below and we will contact you to go over the best options to fit your budget and needs.