Home & Property Insurance
Get the coverage you need for nearly any personal home insurance.
If you’re looking for personal insurance of any kind, UA works to ensure you can have the reliable coverage you need at the right price. Our experts are ready to assist you in getting the policy right for you.
Homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. It may help pay to repair or replace your home and belongings if they are damaged by certain perils, such as fire or theft. It may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home.
The condo policy will provide for coverage on the interior walls and for personal property held within the dwelling. This policy will usually also provide liability coverage for the owner.
Renters insurance policy is a group of coverages designed to help protect you and your belongings. A typical renters insurance policy includes liability coverage, protection for your belongings and coverage for additional living expenses, should the home you’re renting become temporarily uninhabitable. While you may not always be able to prevent certain situations, such as a break-in or visitor’s injury, renters insurance, sometimes referred to as “tenant insurance,” may help minimize the impact, whether you’re renting a single-family home or an apartment.
Manufactured home insurance is specifically for modular homes, or “homes on wheels”. Insurance companies needed a special policy for these type of dwellings. It depends on the type of policy that you have. Some cover the dwelling, its contents, other structures, liability protection for you and the insured’s, some contents of premises, some personal property of others, and some have limited medical protection for visitors.
Fire insurance covers a policyholder against fire loss or damage from many sources. Sources include fires brought about by electricity, such as faulty wiring and explosion of gas, as well as those caused by lightning and natural disasters. Bursting and overflowing of a water tank or pipes may also be covered by the policy.
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the probability of an earthquake loss.
Flood insurance protects property owners from water damage to the structure and contents of their property. Typical hazard insurance policies do not cover flooding, the occupant must purchase a separate policy for protection against flood damage. For properties in high-risk areas, lenders sometimes require mortgaged homeowners to carry flood insurance to protect the structure. It is up to the homeowner whether to purchase additional coverage for the property’s contents, such as furniture and clothing.
Umbrella insurance is extra liability insurance. This type of insurance policy is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It protects the insured when the basic limits of coverage in the homeowners and personal automobile insurance are exhausted.
Scheduled Items Insurance Is a separate policy or attached to an existing property insurance policy, such as a homeowners form. The PAF lists items to be covered, such as furs and jewelry, with an amount shown for each item.