Types of Homeowners Insurance Policies

There are various types of homeowners insurance policies to cover homes, apartments, condos, townhouses, etc.

Homeowners Insurance

Homeowners insurance is used to cover owner occupied homes, contents, and liability. Coverage can be written to cover specifically named perils or all perils. Coverage can also be endorsed to cover actual cash value or replacement cost. Homeowners insurance can be purchased for single family homes, condominiums, townhouses, duplexes and more.

Vacant Home Insurance

Vacant home insurance is designed to cover the unique risks associated with owning a vacant home. A regular homeowners policy will not cover many losses that occur if a home is vacant. TGI offers a variety of short term and long term vacant home policies.

Dwelling Insurance

Dwelling insurance can be purchased to cover homes that are occupied by someone other then the owner of the house, such as a renter. Policies usually include coverage for the home, liability, loss of rent, and other structures.

Builders Risk Insurance

Builders Risk insurance is available to cover homes under construction. Builders risk can be purchased by the owner of the home or the builder. Builders risk is available for new home construction, remodels, additions and renovations.

Renters Insurance

Renters insurance covers your contents, liability, and loss of use if you are renting an apartment, condo, or rental home.