Covers the upgrades, alterations, or enhancements a condo unit owner makes to their unit that are not part of the original building or developer’s standard construction.

Personal Property Coverage in a homeowners insurance policy protects your belongings—furniture, clothing, electronics, and more—against covered perils like theft, fire, and storms. It ensures you can replace your possessions if they are damaged or lost.

Identity theft can happen to anyone. If your personal information is stolen and used fraudulently, the costs to restore your credit and reputation can be overwhelming. Identity theft coverage helps you recover quickly and with less stress.

Personal Liability Insurance provides financial protection if you are found legally responsible for bodily injury or property damage to others.

A Personal Articles Floater policy provides specialized coverage for high-value personal belongings that may exceed the limits of a standard homeowners or renters insurance policy. It offers broader protection, including coverage for accidental loss, theft, and damage.

Loss of Use Coverage in a homeowners insurance policy provides financial assistance if your home becomes uninhabitable due to a covered loss, such as a fire, storm damage, or other insured peril. It helps cover temporary living expenses while your home is being repaired or rebuilt.