Protect your home, and your possessions, with home insurance through FCNB Insurance.
Homeowners Insurance, or home insurance, compensates you for losses to your home and your possessions inside it. The proper home insurance coverage consists of buying the right type of policy, having the proper levels of protection within that policy, and supplementing this coverage with special protection against natural disasters that are not covered in your basic policy.
Insuring a condominium is different than insuring a home. And the biggest difference is knowing where your responsibilities begin and end. When you own a condominium, you – not your condo association – are responsible for what’s inside your condo. In choosing your condo policy, you should consider the areas of the building that you own, your personal belongings, and any safety systems you have in place.
Renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances – situations your apartment owner’s policy doesn’t cover. Renters insurance protects the things that matter to you—like your clothes, furniture, and electronics. It also protects you with liability coverage.
Homeowners with mortgages are required by their lenders to have home insurance. Many people may think that the policy terms required by their lenders represent “OK” levels of insurance, but this may not be true. Lenders want to make sure their exposure is covered, but that can’t happen without you being fully protected. Thus, it’s important that you calculate your needs as well and make sure they are reflected in your coverage.
At FCNB Insurance, we can help you assess the level of insurance you need. Contact one of our FCNB Insurance Agents today for a FREE Quote on our homeowners insurance!
To contact an agent about Home Insurance, click here.