There's a lot to know about Property Insurance. From learning how it can help protect you and your assets, to choosing the right insurance company, to deciding what coverage options are right for you. Explore answers to those questions and more here. Then request a callback for a quote. I'm buying a home. I've got a condominium. I've got a mobile home. I'm renting. Why do I need this insurance? It's where you live and where your possessions are. Chances are, it's your greatest asset. But more than possessions and assets, it's your home and you need to protect it. Property Insurance helps provide peace of mind when bad things happen. Simply put, insurance provides a safety net for you and your family when certain unfortunate events happen like theft, fire, burglary and vandalism. You need liability and guest medical protection too. For example, if your neighbor slips and falls in your kitchen, you might need these coverages to help pay for medical expenses. You need to replace, repair or rebuild. If your home were destroyed by fire today, you'd need the financial resources to replace or repair it. Your lender requires it. When you buy your house, you'll probably need to provide your policy "in hand" at your closing. If you're building a new home, you may need to have special coverage while your new home is being built. You have special items. Protect more than your home; protect special items such as jewelry, silverware, business property, cameras, cellular phones and more with extended coverage options. Protect your assets, possessions, home and your family with insurance arranged through our agents. Their customer service representatives will advise you what coverages are right for you and what discounts and savings may be available. How do I choose the right company? We want you to have insurance protection that's right for you. Make sure you have insurance for your family, home and possessions by deciding on the right company. Our agents will help you make the right choice for your needs. Choose the company with the best Reputation Get insurance from a quality company a company with a strong reputation, high standards and financial stability. Availability Choose a company that's available when you need it most. Think about what's important to you is it a national company with local access across the country? A local agent, you know by name? Or is it both? Service Choose a company that will give you superior customer service and support. Select a company with knowledgeable representatives trained to answer to your coverage questions and respond to your claims quickly. Product Selection Choose a company with access to a wide variety of coverage options. Your insurance needs are unique. The menu of products should accommodate a circle of protection for your needs today and tomorrow. Price Some companies may tell you that insurance only comes down to price. Remember that you get what you pay for. Understand the complete policy and the service promises behind the price. Understand what discounts may be available. Find the balance between financial security, peace of mind and price when choosing your coverage options. Don't pay for insurance you don't need or get less protection just to get a lower price. What should I consider? Depending on where you live a house, condominium, mobile home or an apartment, you'll probably have different insurance needs. Your situation is unique and your insurance should reflect what's right for you. Select the scenario that best describes your situation: I'm buying a home. I've got a condominium. I've got a mobile home. I'm renting. I'm buying a home. What should I consider? You might be making the move from renting to buying, building a new home or moving to a new neighborhood. In any case, you'll make a lot of important buying decisions about your new home along the way: price, location, features just to name a few. You'll also need to make some decisions about insurance. And when you do, here are a few things you might consider... Your Home How much would it cost to rebuild my home at today's prices? How can I make my home safer and possibly save money? Your Property What would it cost to replace the contents of my home? Do I have an inventory and photographs of my personal possessions? You and Your Guests What kind of protection do I have against liability claims? Will my guests' medical expenses be covered if they're accidentally injured on my property? Your Coverages How can I personalize my policy with extended coverage on computers, silverware, jewelry and more? Should I get flood insurance? How often should I reevaluate my coverages? How much should my deductible be? Do I need or have reimbursement for additional living expenses if I can't live in my home due to a covered loss? I'm building my home, are there additional coverages available during the course of construction? Enjoy peace of mind knowing your unique insurance needs are understood. Discover what discounts are available for home owners and how you can get a quote. I've got a condominium. What should I consider? Owning a condominium puts you in a unique position. Unique because you have both common and individual insurance needs. Odds are, your condominium association has an insurance policy for common areas, like the building exterior and walkways. You're still responsible for insuring your interests such as your personal property, yourself from liability and your guest's medical protection. Some things to consider... Your Strata/Condominium Corporation How do I know how much coverage my strata corporation carries? Are there parts of the building or property they don't insure? What are my insurance responsibilities? Your Home How much would it cost to repair the inside of my home if it were damaged? How can I make my home safer and possibly save money? Your Property What would it cost to replace the contents of my home? Do I have an inventory and photographs of my personal possessions? You and Your Guests What kind protection do I have against liability claims? Will my guests' medical expenses be covered if they are accidentally injured on my property? Your Coverages What additional protection can I get for special assessments? What additional protection can I purchase for my personal property such as jewelry, electronic equipment, cellular phones and other special items? How often should I reevaluate my coverages? Should I get flood insurance? Do I need or have reimbursement for additional living expenses if I can't live in my home due to loss? I'm getting married; can I get additional protection to cover wedding presents and other personal property I receive? Enjoy peace of mind knowing your unique insurance needs are understood. Discover what discounts are available for condo owners and how you can get a quote. I've got a mobile home. What should I consider? Just like any other homeowner, you need to consider protecting your home, your personal property, and yourself from liability. Mobile home owners have some special considerations too. Some things to consider... Your Home What type of coverage is right for me? Replacement cost? Actual Cash Value? Is there any special coverage I can get for fire department charges, since my home isn't serviced by or located near one? What kind of coverage can I get to help with the cost of moving my mobile home to a safer location if an oncoming fire or other covered peril threatens it? When should I first begin my coverage if my home is being transported? Should I get flood insurance? Your Property What would it cost to replace the contents of my home? Do I have an inventory and photographs of my personal possessions? How can I personalize my policy with extended coverage for jewelry and radio or television antennas? You and Your Guests Does my policy come with liability coverage like a standard home insurance policy? Will my guests' medical expenses be covered if they're accidentally injured on my property? Do I need or have reimbursement for additional living expenses if I can't live in my mobile home due to a loss? Your Money How will the coverage limits and deductibles I choose affect my premium? What discounts are available to mobile home owners? How can I make my home safer and possibly save money? Check with your McIntosh Insurance Services agent for more information on the mobile home coverage and to get a quote. I'm renting. What should I consider? You might think, "Why do I need insurance, I'm renting?" Well, even though your landlord probably has an insurance policy on your building, you'll need to protect your personal interests too. And it only costs a little to protect a lot. Renter's insurance is less costly than you might think. Some things to consider Your Property What would it cost to replace the contents in my home? Do I have an inventory and photographs of my personal possessions? You and Your Guests What kind of protection do I have against liability? Will my guest's medical expenses be covered if they are accidentally injured in my home? Your Coverages What additional coverages are available for my personal property such as sports equipment, electronic data processing equipment, jewelry or other valuables? I'm getting married; can I get additional protection to cover wedding presents and other personal property I receive? Your Money How can I make my home safer and possibly save money? Don't wait another day to get renters insurance and see what coverage options and discounts may be available too! Get a quote now!