Homeowners

PROTECT YOUR HOME

Insurance

Renters

This will normally cover you, your belongings, and living arrangements in addition to family liability insurance, guest medical protection, and further living expenses. Whether you are shopping for your college student, just starting out yourself, between houses, relocating, or simply downsizing, Optimize Insurance can help you pick a renters insurance policy that best fits your needs. We partner with reputable insurance companies to ensure a wide range of choices to meet your unique needs.

Landlord

As a rental property owner, you are no stranger to the challenges that come with being a landlord. No two rental properties are the same, and the insurance coverage needed for your real estate investments is just as unique. There’s a whole host of other coverages to consider, from liability coverage for legal fees to workers compensation for your maintenance or administrative employees.

Condo

This coverage helps when there that has been damage to the interior of your home. While your condo association likely carries an insurance policy that covers their property and the physical structures as well as common areas on the property, as a condo-owner, you want to ensure your property and possessions are adequately covered. From your appliances to your personal possessions to the upgrades you have added to the unit.

Mobile Home/Recreational Vehicle

As an example, Texas RV Insurance can give you bodliy injury and liability coverage. You are also able to add on comprehensive and collision coverage should you need to repair or possbile replace your home. However, this would depend on whether or not your are the owner. Some factors that affect your insurance rate are: the useage, type and model, and the claim history.

More Information

For most states, homeowners insurance policies provide four types of coverage:

Dwelling coverage – helps you pay for repairs or rebuilding your home if it’s damaged or destroyed (roof, walls, wall-to-wall carpeting, etc.).

Personal property coverage – helps you pay the costs of fixing or replacing your belongings if they’re damaged. For example, furniture, appliances, computers, and clothing.

Liability coverage – helps you protect your financial assets if you’re at fault for an injury or property damage.

Additional living expenses coverage – helps you pay for rent, food and other increased costs if you have to live somewhere else while your home is being repaired.