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Home Insurance is a necessity whether you own or rent a house or a condominium. And Hilton Insurance Services can help you develop a policy designed to meet your individual insurance needs.
Home Insurance allows you to feel secure in your home knowing that your assets and property are being protected. These policies cover not only your home (and detached structures on the property) but also the contents and personal belongings within your home – even when they're away from your home.
Home Insurance Policies also give you legal protection if someone gets injured on your property and sues you. Finally it's impossible to buy a home using a mortgage unless you have home insurance!
Once you've decided to buy Home Insurance you should ask your insurance broker at Hilton Insurance Services the following questions:
There are two main types of policies that you can purchase; Comprehensive and Broad Form:
These are basic insurance packages that will cover your dwelling, outbuildings, personal property, additional living expenses, legal liability, voluntary medical and property damage payments.
If you rent, you can purchase a Tenants Policy which will cover losses to your personal belongings and personal liability.
If you are a condominium owner, you can purchase a Condominium Unit Owners Policy which is similar to a Tenants Policy. However this policy also includes coverage for special assessments due to any insured damage to, or liability arising out of, common areas as well as additional protection on your unit in the event of inadequate building insurance.