Homeowner's insurance is the type of property insurance that covers private homes. It combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use or loss of other personal possessions of the homeowner, as well as liabilityinsurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It is a multiple-line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks.
The cost of homeowner's insurance often depends on what it would cost to replace the house and which additional riders are attached to the policy. Typically, claims due to flood are excluded and would need to be purchased separately. In some coastal counties, windstorm coverage would also need to be purchased separately.
High Net Worth
Securane specializes in finding solutions for high net worth individuals. We have specialty markets for home, auto and liability insurance that address the specific concerns of these customers.
We also consult on the following types of insurance risks:
- Flood insurance
- Windstorm insurance
- Legal liability insurance