Homeowners Insurance

Home, it’s your comfort zone. It’s where you raise your family and create memories that last a lifetime. Whether you’re buying insurance for your first home, or the high-value home of your dreams, Imperial Agency can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.

Homeowner’s Insurance policies can provide coverage for:

  • Damage to your home’s physical structure (Dwelling coverage)
  • Damage to other structures like a garage or shed (Other Structures coverage)
  • Your personal belongings – whether in your home or elsewhere (Personal Property coverage)
  • Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)
  • Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)

Extra coverage for valuable items such as

  • Jewelry and engagement rings
  • Silverware, china and crystal
  • Antiques
  • Fine Art
  • Stamp and coin collections
  • Bicycles
  • Trophies
  • Sound equipment (recorders)
  • Sports equipment (archery, camping, fishing, skiing)
  • Wedding gifts
  • Cameras
  • Computers
  • Musical instruments
  • Golf Equipment
  • Furs
  • Guns
  • Pedigreed dogs
  • Garden tractors
  • Political campaign collections

Condo Insurance

As a condo owner, you have unique requirements for protecting your property, because your building and your individual unit have separate needs. While your condo association may have an insurance policy, only condo insurance covers your personal property and personal liability. So you can rest assured you’re personally protected.

A condo policy can cover:

  • Damage to your furniture, clothing, appliances and other personal items
  • Your personal belongings, whether they’re in your home or elsewhere
  • Common loss assessments made by the condo association for all unit owners
  • Your personal liability in the event someone is injured or their property is damaged

Renters Insurance

Even if you don’t own a home, you still have a lot at stake. After all, your personal belongings, like clothes, furniture and electronics, have significant value. Renters insurance can help you protect that value without breaking the bank. So no matter where you live, you can rent with peace of mind.
A renter’s policy can cover:
Damages to furniture, clothing and other personal items
Your personal belongings, whether they’re in your home or elsewhere
Personal liability for another’s injury or their property, if damaged