Homeowners’, Condominium and Renters’ Insurance
Homeowners Insurance

At Hamilton Brewart we understand that your home is perhaps your most valuable possession. That's why we work hard to provide you the best coverage, tailored to your needs, at a reasonable price. Typically, a Homeowners Insurance policy provides the following coverage. If you have any questions, please contact us.

Property

With your Homeowners coverage, your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, flood, nuclear hazards and earthquakes.

Personal Property

Your policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world - if your clothes are stolen while on vacation, you're covered.

Typically, your personal property is covered for damages resulting from the following:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Riots or civil commotion
  • Falling objects
  • Aircraft and vehicles
  • Sudden or accidental smoke damage
  • Vandalism or malicious mischief
  • Theft
  • Sudden and accidental discharge of water or steam from plumbing system or appliances
  • Building collapses

Personal Liability

Your coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following:

  • Use of your premise, including swimming pools
  • The acts of your pets
  • Unintentional acts by you or a qualified family member

Also, this coverage pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.

Optional Coverage

These coverages are not part of your homeowners policy. They can be added to provide coverage above what your homeowner’s policy typically provides.

  • Personal Articles Floater
  • Personal Umbrella Coverage
  • Flood Insurance

Condominium Insurance
Hamilton Brewart has the coverage you need and the options you want. We have the expertise to give you the best coverage combinations to fit your lifestyle and budget. Here is what a typical Condominium policy covers.

Loss Assessment

You'll receive up to $1,500 assessment arising from a covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.

Additional Living Expense
If your condominium unit becomes uninhabitable due to a covered loss, we pay for those extra costs of housing, eating expenses, etc. up to the applicable limit.

Improvements, Alterations, Additions

You are also covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your policy limits.
Off-Premise Coverage

Your personal property is protected worldwide. If your clothes are stolen while vacation - you're covered.

Your personal property is covered if it is damaged by:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Falling objects
  • Aircraft or vehicles
  • Smoke, if sudden and accidental
  • Vandalism or theft
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water or steam from a plumbing, heating, air conditioning system of household appliance
  • Sudden and accidental tearing apart, cracking, burning, or bulging of a steam, hot water, or air conditioning system, or appliance for heating water
  • Freezing of a plumbing, heating, air conditioning system or household appliance
  • Sudden and accidental damage from artificially generated electrical current
  • Collapse of building

Personal Liability Coverage

Personal Liability pays for bodily injuries to other people, or damage to their property, if you are liable resulting typically from:

  • The acts of your pets
  • Unintentional acts by you or your family member

Renter’s Insurance

Just because you rent, doesn't mean your possessions aren't worth protecting. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up. That's one of many reasons why you need Renters Insurance.

Renters Coverage

Renters Insurance policy covers personal property, subject to the policy limits. Your property is covered anywhere in the world - if your clothing is stolen while you're on vacation, you're covered. But there are special policy limits for your jewelry, watches, furs, silverware, firearms, computers and rugs or carpets made outside the U.S. For a complete list, please check with your Farmers agent.

Typically, you are protected if your property is damaged as a result of theft, fire vandalism, riot or civil unrest, etc.

Personal Liability

Renters Insurance covers you against damages arising from bodily injury and property damage, for which you are legally responsible. Coverage is available for liability resulting from the use of your premise (including swimming pools), the acts of your pets, and unintentional acts by you and qualified family members.

Calculating how much Renters Insurance you need

Create an inventory checklist to list all your possessions, when you bought them and the price paid for them. Review the list with our agents to decide the coverage you need.

We understand that no two customers have the same insurance needs. We'll work hard to give you the best coverage combinations to fit your lifestyle and budget. Please contact us for more information on renters insurance.