Church
Designed to protect places of worship and their associated activities, including property damage, liability, and coverage for church events. It may include protection for volunteers, staff, and members, as well as coverage for special activities like mission trips or fundraisers.
Homeowners Association (HOA)
Provides coverage for HOA boards and associations, protecting against liability claims, property damage, and other risks related to maintaining common areas. It can cover the costs of repairing shared spaces, legal fees, and injuries that occur in common areas like pools or clubhouses.
Apartment Building- Landlord
Apartment complex insurance is designed to protect property owners and managers by covering the physical structure, liability risks, and business operations. It includes property coverage for damage to the building and common areas like hallways and amenities, as well as liability coverage for injuries or accidents on the property. Loss of rental income is covered if the complex becomes uninhabitable due to damage, and additional coverage may be available for tenant property and liability. Building code upgrades can be included to meet current standards during repairs. Overall, apartment complex insurance helps safeguard the property, mitigate financial loss, and ensure the continued smooth operation of the complex.
Flood and Earthquake
This type of specialty insurance covers damage caused by natural disasters like flooding and earthquakes, which are typically excluded from standard home or commercial insurance policies. Flood insurance protects against water damage from heavy rain, storm surges, or rising rivers, while earthquake insurance covers structural damage to property, loss of personal belongings, and additional living expenses if your home or business becomes uninhabitable due to an earthquake. Both coverages are usually purchased separately through specialized insurers or government programs like the National Flood Insurance Program (NFIP) for flood protection.
Boat
Provides coverage for boats and other watercraft, including protection against damage, theft, and liability for accidents or injuries that occur while on the water. It can also cover costs related to repairs, medical expenses, and environmental damage in the event of a boating accident.
Pet
Helps cover veterinary costs for pets, including medical treatments, surgeries, and emergency care. It can include coverage for illnesses, injuries, and preventive care like vaccinations, as well as services such as pet prescriptions or diagnostic tests.
