We do not all live in the same types of dwellings, so there are different types of insurance to insure the places we live. The dwelling policies available include Homeowners, Condominiums, Townhouses, Apartments, Mobile Homes, Fire and Landlords policies. There are policies designed for people who own their property and those who rent as well as the landlord who rents a dwelling to someone else.

Available coverage includes coverage for the Dwelling itself, Personal Property, Liability, Guest Medical, plus you can add expensive valuables onto your Dwelling policy by increasing Coverage Categories or with Scheduled Coverage for things like jewelry, watches, furs, works of art, sculpture and figurines, firearms, sports equipment, bicycles, silverware, collections of all kinds, cameras, musical instruments, even for in-home businesses. There are other add-ons available with a dwelling policy such as Identity Theft, Sewer/Drain Back-up, Ordinance or Law, Incidental Farm Liability, Additional Contents and Extended Theft for Off Premises Personal Property. You may even add coverage for things such as Earthquake damage or Flood damage.

The size of the home has a lot to do with the price of the insurance, but other factors that influence the cost are age of the home, exterior wall covering, roof type, limits of liability carried, limits of Guest Medical carried, Deductible, Protective Devices, and Remodeled/Updated parts of the building. There are discounts if you have Multiple Policies with the same company, as well as non-smoker discounts.

Insurance companies always look to see if you have Trampolines in fenced areas, Swimming Pools or other Water Hazards, Woodstoves and Animals. Some companies underwrite these extra risks with additional fees or refuse to take them, but there is a way to insure almost any risk.