HO3
Insurance for homeowners who will live in the property. Includes coverages for the external structure, personal property inside the home, third party liability, medical expenses, and living expenses while your home is being repaired.
DP3
Insurance for homeowners who will not live in the property, that is, they are an investment to rent to others or who will not permanently live in it. Includes coverage for the external structure, liability to third parties and medical expenses. Personal property coverage is optional because the owner not living in the property and can choose not to cover anything within it.
HO6/HOB
Insurance for homeowners who will live or not in the property. Includes coverages for personal property inside the home, third party liability, medical expenses, and living expenses while your home is being repaired. You can add dwelling coverage if you don't have a Master Policy in force
renters
Aimed at people who rent a house or apartment as their temporary home. This insurance includes coverage for personal property, liability, medical expenses. It does not cover the external structure because it is the owner who must have it covered.
Flood Insurance
Most residential property policies DO NOT cover damage from flooding. Flood insurance covers damage such as:
Overflow of inland or tidal waters, runoff or accumulation of surface water (such as flash floods), mudflow.
HOW IT WORKS
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When you request a quote from LOYAL, our team goes to work to learn about you and your story. Like who you are, what you do, and how we can identify the right policy and driver discounts for you.
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Loyal Services finds you quotes from over 32 unique insurance companies, not just one. But if the options are great, we'll recommend two quotes that we feel suit you best.
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