Could you afford to rebuild your home without it? Homeowner’s insurance provides a safety net to protect what is likely to be your biggest investment – your home – in the event of loss. That loss can come about in any number of ways, including but not limited to: fire, lightning or thunderstorm damage, theft or damage caused by someone breaking in, or if you are sued after someone is injured on your property. Without it, many people would be unable to afford expensive repairs and could even lose their homes.
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Your landlord likely insures the building you live in, but it is up to you as a renter to protect your personal belongings. Standard renter’s insurance is easy, affordable and will protect you from loss or damage in the event of: fire, theft, vandalism, lightning, windstorm, hail, smoke, explosion and more. Renter’s insurance covers your valued personal property, like flat screen televisions, computers, stereo equipment, clothing, furniture, sporting equipment, antiques, artwork, coin/stamp collections or instruments. No matter where in the world you take it, it’s covered.
You can live miles away from water and still be a victim of flooding. In fact, nearly 1 in 4 flood insurance
claims are paid on policies in low-to-moderate-risk areas. That’s partly because it doesn’t take a major body of water, or even a major storm, to cause a flood. Anything from a broken sewer line to a slow moving rainstorm can cause flooding. Flood insurance is simple and affordable. Policies are available to homeowners, condo owners, apartment owners, renters and business owners alike.
Rental and Seasonal Property Insurance
Whether you are a landlord with multiple rentals or simply leasing your home or condo, landlord's rental property insurance provides the coverage you need to protect your property from damage, and you from legal and personal liability. Landlord's rental property insurance covers such things as your rental building, other private structures, such as a garage or shed, and any personal property, such as tools, appliances, furniture, stored on-site or provided by you for use by your tenants.
Your trusted advisors at Tompkins Insurance Agencies can help you choose the insurance that’s right for you. Click here to request more information on any of the insurance services above.
Insurance products are not insured by the FDIC or any federal government agency, not deposits or obligations of the bank or its affiliates, not guaranteed by the bank or its affiliates, and subject to investment risk, including possible loss of principal.