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Residence or Personal Property Insurance

Because every situation is unique, we encourage you to get in contact with us, so we can discuss plans that best fit you. Below are some residential insurance categories.

Homeowners

Homeowners insurance is designed to cover your home, your personal property, other structures on your property, and your personal liability. The cost of homeowner’s insurance differs from person to person as it often depends on what it would cost to replace the house, its contents, and many additional items. Depending on your exposure and what you want to cover, we can design a home policy unique to you.

 

Renters

Perfect for those who are renting or leasing a home, condo or apartment. Renters insurance is highly recommended by landlords, and in some instances even required. Renters insurance covers your personal liability and your personal property in the home or dwelling you are renting.

Landlords

If you own property and rent it to someone, you are still responsible for insuring the structure itself. While you should require your renters to get insurance, there are many instances where their coverage might not replace your dwelling or property. Landlord insurance will help mitigate your costs of those incidents and insure your dwelling is replaced in the event of a loss.

 

Some things landlord insurance may be able to cover for you:

 

  • Your rental dwelling
  • Other structures at your rental property
  • Injuries sustained on your rental property
  • Broken or damaged appliances
Vacant Home

What if the house that gets damaged, robbed, or destroyed is not the one you live in? We have policies for that too! Most carriers have limitations on coverage when a dwelling is vacant or unoccupied. Our brokers are experienced at finding the perfect coverage for your every need.

Weather Related Damages

Severe weather usually strikes with little to no warning and can be extremely destructive. Did you know that flood and earthquake insurance are not typically a coverage included on a homeowner’s policy? There is insurance for just about every type of scenario imaginable. LP Insurance Services will help you to make sense of the surplus of information available so that you can make the most informed decision to fit your needs.

For more information, please contact us!