Home insurance is a comprehensive policy designed to protect your property and belongings from various risks. Whether you’re a homeowner, renter, or landlord, having the right home insurance coverage is crucial. Our insurance specialists will work closely with you to create a personalized home insurance plan that meets your requirements.
Dwelling coverage pays for repairs or rebuilding your home if damaged by covered events like fire, windstorms, hail, or vandalism. This coverage extends to attached structures like garages and decks, as well as built-in appliances and fixtures. It’s important to have enough dwelling coverage to rebuild your home fully at today’s construction costs.
Personal property coverage protects your belongings, such as furniture, electronics, and clothing, if damaged, destroyed, or stolen.
Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. This coverage includes legal fees, medical expenses, and any settlements or judgments up to your policy’s limit.
If your home becomes uninhabitable due to a covered loss, Additional Living Expenses (ALE) Coverage helps cover the cost of temporary housing and other living expenses. Whether you need to stay in a hotel, rent a home or apartment, or cover additional costs for food and transportation, ALE ensures that you can maintain your standard of living while your home is being repaired or rebuilt.
Tooher-Ferraris Insurance Group offers a range of specialty coverages to address specific concerns, such as:
Flood Insurance: Standard home insurance policies typically don’t cover flood damage. A separate flood insurance policy is needed if you live in a flood-prone area.
Earthquake Insurance: Earthquakes can cause severe structural damage. You may need additional coverage if you live in an area at risk for earthquakes.
Umbrella Insurance: Umbrella Insurance provides additional liability coverage beyond the limits of your Home Insurance policy.
Valuable Items Coverage: If you own high-value items such as jewelry, art, or collectibles, valuable item coverage provides additional protection for these possessions.
Tooher-FerrarisInsurance Group offers a range of Home Insurance coverage options to meet your unique needs. Whether you own a single-family home, a condo, or a rental property, we have the right coverage for you.
The most common type of Home Insurance is the HO-3 policy, which provides comprehensive coverage for your home, personal property, and liability. It protects against a wide range of perils, including fire, windstorm, theft, and vandalism. HO-3 policies are ideal for most homeowners, offering a balance of
Condo Insurance, also known as an HO-6 policy, is designed specifically for condominium owners. This policy covers the interior of your unit, including walls, floors, and personal belongings, as well as liability protection. Condo Insurance also provides coverage for any improvements or upgrades you make to your unit, ensuring that you are fully protected.
If you rent your home, Renters Insurance is essential for protecting your personal belongings and providing liability coverage. While your landlord’s insurance covers the physical structure of the building, it does not cover your possessions. Renters Insurance fills this gap by covering your belongings against damage or loss and offering liability protection in case someone is injured in your rental unit.
If you own rental properties, Landlord Insurance provides coverage for the structure of the property, as well as liability protection. This policy also includes loss of rental income coverage, which compensates you if your property becomes uninhabitable due to a covered loss and you are unable to collect rent. Landlord Insurance ensures that your investment properties are fully protected.
Securing the right commercial property insurance is crucial for protecting your business’s future. Contact Tooher-Ferraris Insurance Group today to learn more about our comprehensive insurance solutions and to get a customized quote.
Call us at (203) 834-5900 or fill out our online quote form to get started.
With a legacy of trust and expertise, Tooher-Ferraris Insurance Group understands the importance of protecting your home.
Our experienced team will tailor a policy to your unique needs, ensuring comprehensive protection.
Whether you’re a first-time homeowner or looking to review your current coverage, contact us today to safeguard your home and peace of mind.
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