Russell Insurance

1-888-477-7785

Our Agency

Our Staff

Locations

Services

Qualifications

Events

Tell a Friend

Insurance Products

Home

Auto

Boat

Motorcycle

Other

Home Insurance

Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from at The Russell Agency.

	First	Understand which coverage elements are common among all property insurance policies: Personal Property. To protect movable personal property, mostly within your home. Certain coverage limits apply. Family Liability Protection. To pay for covered damages which you're legally obligated to pay. Guest Medical Protection. To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss. Additional Living Expenses. To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.
	Second	Consider which policy is right for your living situation: House Condominium Mobile Home Renter
	Third	Personalize your policy with additional coverages such as: Replacement Cost Coverage. For many of your contents (subject to applicable underlying policy coverage limits). Scheduled Personal Property Coverage. With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sports equipment. Increased Building Code Coverage. For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired. Portable Cellular Communication Systems Coverage. Satellite Dish Antennas Coverage. And many more! See your agent for more information on the Optional Coverages available in your state.
	Finally	Since most Homeowners, Condominium, Mobile Home, or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy.

1. Homeowners Insurance
		You might be making the move from renting to buying, building a new home or moving to a new neighborhood. In any case, you'll make a lot of important buying decisions about your new home along the way…price, location, features… just to name a few. You'll also need to make some decisions about insurance. And when you do, here are a few things you might consider... Your Home How much would it cost to rebuild my home at today's prices? How can I make my home safer and possibly save money? Should I purchase flood insurance? Your Property What would it cost to replace the contents of my home? Do I have an inventory and photographs of my personal possessions? You and Your Guests What kind of protection do I have against liability claims? Will my guests' medical expenses be covered if they're accidentally injured on my property? Your Coverages How can I personalize my policy with extended coverage on computers, silverware, jewelry and more? How often should I reevaluate my coverages? How much should my deductible be? Do I need or have reimbursement for additional living expenses if I can't live in my home due to a covered loss? I'm building my home, are there additional coverages available during the course of construction? Take the first step into homeownership by understanding your coverage options.
2. Condominium Insurance
		Owning a condo puts you in a unique position. Unique because you have both common and individual insurance needs. Odds are, your condominium association has an insurance policy for common areas, like the building exterior and walkways. You're still responsible for insuring your interests such as your personal property, yourself from liability and your guest's medical protection. Some things to consider when shopping for condo insurance: Your Association How do I know how much coverage my association carries? Are there parts of the building or property they don't insure? What are my insurance responsibilities? Your Home How much would it cost to repair the inside of my home if it were damaged? How can I make my home safer and possibly save money? Should I purchase flood insurance? Your Property What would it cost to replace the contents of my home? Do I have an inventory and photographs of my personal possessions? You and Your Guests What kind protection do I have against liability claims? Will my guests' medical expenses be covered if they are accidentally injured on my property? Your Coverages What additional protection can I get for special assessments What additional protection can I purchase for my personal property such as: jewelry, electronic equipment, cellular phones and other special items? How often should I reevaluate my coverages? Do I need or have reimbursement for additional living expenses if I can't live in my home due to loss? I'm getting married, can I get additional protection to cover wedding presents and other personal property I receive.
3. Renters Insurance
		You might think, "Why do I need insurance, I'm renting?" Well, even though your landlord probably has an insurance policy on your building, you'll need to protect your personal interests too. And…it only costs a little to protect a lot. Renter's insurance is less costly than you might think. Things to consider: Your Property What would it cost to replace the contents in my home? Do I have an inventory and photographs of my personal possessions? Should I purchase flood insurance? You and Your Guests What kind of protection do I have against liability? Will my guest's medical expenses be covered if they are accidentally injured in my home? Your Coverages What additional coverages are available for my personal property such as: sports equipment, electronic data processing equipment, jewelry or other valuables? I'm getting married; can I get additional protections to cover wedding presents and other personal property I receive? Your Money Can I save money if I have my auto insurance with the same company? How can I make my home safer and possibly save money? Don't wait another day to get renters insurance...See what coverage options and discounts may be available too!