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Homeowner’s Insurance

Homeowners Insurance

Whether you own or rent your home, your place of residence and your belongings are important to you, so they are important to Hayes Brokers. Fires, theft and other hazards can damage or destroy your hard-earned personal items. Our comprehensive insurance policies can help make your world right again.

Homeowners Insurance covers:

  • Your owned home.
  • Any other structures on the property (sheds, outbuildings, walls, fences, pools).
  • Your contents.
  • Comprehensive personal liability.
  • Additional living expenses..
  • Property off premises.

A wide range of coverage and deductible options are available, and may also include mortgagee and additional insured protection for your mortgage holder. Coverage options may include: ordinance or law, spoilage, and even dog bites.

Renters Insurance covers:

  • Your contents.
  • Comprehensive personal liability.
  • Additional living expenses.
  • Property off premises.

There are many coverage and deductible options to choose from. You may also include your landlord as an additional insured on your policy.

Dwelling Insurance covers:

  • Your owned dwelling.
  • Any contents used to furnish the dwelling or stored on the premises.
  • Personal liability.
  • Additional expenses.

A dwelling insurance policy can cover your family’s vacation cabin in the woods, your summer home on the shore, or the rental property you purchased as an investment. Your Hayes Broker can help you determine what coverage is right for your property.

Flood & Earthquake coverage are not included in most personal insurance policies, but they can be insured as stand-alone policies, or as part of a Difference in Conditions policy.

Your Hayes Broker can help you determine what coverage is right for your property. Call us today.