When you are trying to protect your home and personal belongings, figuring out the type of homeowners insurance policy you need is essential.
Whether you are a homeowner, a renter, or a landlord, Foundation Insurance Group has a wide variety of insurance carriers with competitive rates.
Home insurance provides financial protection for homeowners, covering losses from events like fires, natural disasters, and theft. It typically includes coverage for the structure of the home, personal belongings, liability for injuries on the property, and additional living expenses if the home becomes uninhabitable.
Renters insurance offers financial protection for tenants by covering their personal belongings against perils like fire or theft, while also providing liability coverage for accidents that may occur in the rented property. This policy ensures renters have peace of mind and financial support in the face of unexpected events.
A condo insurance policy provides coverage for the interior of a condominium unit, including personal belongings, fixtures, and improvements, while also offering liability protection for accidents that may occur within the unit. Additionally, it often includes coverage for common areas and the overall structure of the condominium building, ensuring comprehensive protection for condo owners.
A landlord insurance policy offers protection to property owners by covering the structure of the rental property, potential loss of rental income, and liability for injuries or damages that may occur on the premises. This policy helps landlords safeguard their investment, providing financial security against various risks associated with renting out residential or commercial properties.
The amount of coverage you need depends on factors like the replacement cost of your home, the value of your belongings, and potential liability risks. It's advisable to conduct a thorough inventory and work with our team to determine an appropriate coverage level.
Several factors influence your premium, including the location of your home, its age and construction, your claims history, credit score, and the chosen coverage limits. Implementing security features and bundling policies can sometimes result in discounts.
Standard homeowners insurance typically does not cover floods and earthquakes. Separate policies or endorsements are available for these specific perils, and it's essential to assess your risk and consider obtaining additional coverage if you live in an area prone to such events.
You can potentially lower your premium by raising your deductible, installing safety features like smoke detectors and security systems, bundling policies with the same insurer, and maintaining a good credit score. You also have the best chance at saving money by working with us because we have multiple carriers to choose from.
Foundation Insurance Group LLC
7079 E 123rd Place, Thornton, CO 80602
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