Residential

Homeowners insurance policies carry coverage for damage to the structure, damage to the contents as well as coverage for the loss of use. Your claim should include these elements. Additional, your policy may have extensions of coverage that can be found within the wording of the policy.

Condominium policies are designed to insured the risks associated with this type of ownership. Careful consideration must be given to establish what damage the unit owner is responsible for versus that of the condo association.  With an understanding of these principles, you can be certain that everything gets paid for and fixed by the proper party. Similar to a homeowners policy, the coverages are extended to include certain installations made to the structure, additional expenses when damage necessitates relocation and of course, your personal property.

Tenant policies are written to cover the personal belongings of a tenant, however, when a tenant makes improvements to the building they live in, their insurance company should reimburse them for this additional damage.