Flood
Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy. PrimePro’s network of insurers enables us to determine exactly what coverage you need based on your location and risk of flooding, and find you the best price, whether it be Personal Flood Insurance, Business Flood Insurance or Excess Flood Insurance.
Homeowner’s/Rental
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. PrimePro can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Condo
Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.
If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.
Co-Op
While your cooperative apartment corporation insurance covers the co-op building, commonly owned property, and liability insurance for the cooperative apartment corporation, it may not cover:
- Losses to your unit as a result of a burglary
- Smoke damage that ruins the walls in your kitchen
- An injury sustained by someone who trips over an object in your living room
PrimePro can help you find Co-op policies that protect your belongings and the inside of your unit. You’ll also have liability protection for bodily injury or property damage to others.
Renters
A renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
PrimePro can help you determine if you also need to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
A renters insurance policy also protects you and your family against certain bodily injury and property damage claims. Legal defense is also provided in the event you are sued. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Let PrimePro help you find the amount of coverage to suit your insurance needs and your budget.
Landlord
A rental property is a great investment and an important asset to have insured. Landlord Protection liability insurance can protect you and your spouse against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims, like libel and slander. PrimePro can help make sure that you and your property are properly covered, and that you aren’t paying too much for it either.