Property insurance starts with accurate details
A primary home, condominium, rented apartment and seasonal cottage raise different questions about the building, belongings, liability and how the property is occupied. Accurate information helps an advisor identify suitable markets and avoids relying on assumptions that may not match your situation.
Prepare for your review
- Address, occupancy and construction details
- Renovations, heating, plumbing, electrical and roof updates
- Home-based business, rentals or extended vacancies
- Valuable items that may need separate limits or appraisals
- Current coverage, claims history and desired deductibles
Westoak can help compare available options and explain how limits, deductibles, exclusions and endorsements differ. Coverage is subject to the insurer’s underwriting and the terms of the issued policy.
Choose the page that matches the occupancy
An owner-occupied house belongs in the homeowner insurance guide, while condominium unit owners and renters can start with the condo or tenant guide. A property rented to others requires a different disclosure and coverage discussion; review landlord and rental-property insurance. Seasonal, secondary and short-term-rental properties also have dedicated guides listed above because occupancy and vacancy patterns can materially affect underwriting.