home/Renter insurance

For most people, your home is a central part of your life. It is likely to be your biggest investment and asset. It is where you keep most of your personal belongings. Correctly understanding how to ensure your home needs is a core competency of 303 Insurance Brokers.

Single Family

Insuring your single-family home starts with determining the dwelling rebuild cost. How much would it cost to rebuild your home from the ground. That can be vastly different than how much is your home worth. Other key coverages include separate structures, personal property, loss of use and liability/medical payments. Most carriers also offer additional coverages like building ordinance or sewer and drain that we can also use to fit the right protection for you.

Additionally, you need to understand the settlement terms of your policy, actual cash value (ACV) or replacement cost (RC). Your deducible will be your contribution towards the settling of a claim, it may be a flat dollar amount, or a percentage of your dwelling rebuild cost. Whether your making a new purchase or just want a second opinion on your current policy, let 303 Insurance Brokers help you out.

townhome/condo

Many people do not realize that when you own a townhome or condo, your HOA likely has a master insurance policy for the structure of your property, including the roof. Unit owners will want to carry a policy commonly called an HO-6 policy. In addition to your personal property, liability and loss of use coverage, it is important to know your loss assessment risk and building property coverage to make sure your policy is set up to handle a claim correctly. 303 Insurance Brokers will do that for you.

renters

Renters insurance provides great value if you do not own a home. It focuses on protecting you and your valuable and not a physical structure. It covers 3 main things: personal property, liability and loss of use. Making sure you have adequate coverage is paramount. 303 Insurance Brokers is here to help cover your assets.

landlord

If you own a second or multiple properties and rent them to others, you want to look at a landlord policy. It is set up different than a single family or townhome/condo policy because the risk is different when you have tenants. While you have responsibilities to the physical dwelling, you are not responsible for your tenant’s personal property. You also want to consider your liability exposure of being a landlord. Talk with 303 Insurance Brokers about your landlord policy today.

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