Condo/Home
Home Insurance
Home insurance provides financial protection against damage, theft, and natural disasters affecting your property or belongings. As one of your most important investments, your home deserves a safety net that allows you to recover quickly from unexpected events.
Without coverage, the cost of repairs or replacements can be overwhelming. A good policy also offers liability coverage for accidents on your property. Request home insurance services to help safeguard what matters most.
Comprehensive Protection for Where You Live
At Insurance Now For Less, we understand that your home or condo is one of your most valuable investments. Whether you're a homeowner or a condo owner, we offer reliable and customizable insurance solutions to protect your property, belongings, and liability, giving you peace of mind year-round.
What Our Policies Cover
Homeowners Insurance
- Dwelling Coverage: Protects the physical structure of your home against damage from fire, wind, hail, and other covered perils.
- Other Structures: Covers detached structures like garages, fences, or sheds.
- Personal Property: Replaces belongings like furniture, clothing, and electronics if they are stolen or damaged.
- Loss of Use: Pays for temporary housing and living expenses if your home becomes uninhabitable due to a covered claim.
- Personal Liability: Provides financial protection if you're held responsible for injuries or property damage to others.
- Medical Payments to Others: Covers minor medical expenses for guests injured on your property.
Condo Insurance (HO-6 Policy)
- Interior Unit Coverage: Protects interior walls, fixtures, and improvements not covered by your condo association's master policy.
- Personal Property: Covers your belongings inside the condo.
- Loss Assessment: Pays your portion of damages or liability shared by the condo association.
- Liability & Medical Payments: Similar protections as homeowners insurance.
Optional Endorsements (Add-Ons)
To enhance your protection, we offer several endorsements tailored to your unique needs:
- Water Backup Coverage: Damage caused by backed-up sewers or sump pump failures (not covered by standard policy).
- Scheduled Personal Property: Extra coverage for high-value items like jewelry, art, or collectibles.
- Equipment Breakdown: Covers repair or replacement of appliances or systems due to mechanical/electrical failure.
- Ordinance or Law Coverage: Pays for code-compliant upgrades when rebuilding after a covered loss.
- Service Line Coverage: Protects underground utilities like water, sewer, or power lines that service your home.
- Identity Theft Protection: Helps cover costs and restoration if you're a victim of identity fraud.
- Earthquake Insurance: Covers structural damage and loss from earthquakes (excluded from standard policies).
- Flood Insurance: Protects against water damage from floods (required separately, especially in flood-prone zones).
- Replacement Cost Coverage: Ensures full replacement cost for your home or belongings without depreciation.
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What is Home or Condo Insurance
🏠 Home & Condo Insurance
Comprehensive Protection for Where You Live
At Insurance Now For Less, we understand that your home or condo is one of your most valuable investments. Whether you're a homeowner or a condo owner, we offer reliable and customizable insurance solutions to protect your property, belongings, and liability — giving you peace of mind year-round.
🛡️ What Our Policies Cover
🏡 Homeowners Insurance
- Dwelling Coverage – Protects the physical structure of your home against damage from fire, wind, hail, and other covered perils.
- Other Structures – Covers detached structures like garages, fences, or sheds.
- Personal Property – Replaces belongings like furniture, clothing, and electronics if they are stolen or damaged.
- Loss of Use – Pays for temporary housing and living expenses if your home becomes uninhabitable due to a covered claim.
- Personal Liability – Provides financial protection if you're held responsible for injuries or property damage to others.
- Medical Payments to Others – Covers minor medical expenses for guests injured on your property.
🏢 Condo Insurance (HO-6 Policy)
- Interior Unit Coverage – Protects interior walls, fixtures, and improvements not covered by your condo association's master policy.
- Personal Property – Covers your belongings inside the condo.
- Loss Assessment – Pays your portion of damages or liability shared by the condo association.
- Liability & Medical Payments – Similar protections as homeowners insurance.
➕ Optional Endorsements (Add-Ons)
To enhance your protection, we offer several endorsements tailored to your unique needs:
Endorsement What It Covers:
Water Backup Coverage :Damage caused by backed-up sewers or sump pump failures (not covered by standard policy).
Scheduled Personal Property: Extra coverage for high-value items like jewelry, art, or collectibles.
Equipment Breakdown: Covers repair or replacement of appliances or systems due to mechanical/electrical failure.
Ordinance or Law Coverage : Pays for code-compliant upgrades when rebuilding after a covered loss.
Service Line Coverage: Protects underground utilities like water, sewer, or power lines that service your home.
Identity Theft Protection: Helps cover costs and restoration if you're a victim of identity fraud.
Earthquake Insurance:Covers structural damage and loss from earthquakes (excluded from standard policies).
Flood Insurance: Protects against water damage from floods (required separately, especially in flood-prone zones).
Replacement Cost Coverage: Ensures full replacement cost for your home or belongings without depreciation.