Colony Home Insurance, A member of the colony group
You’ve worked hard to achieve Home Ownership. Now take advantage of Colony Insurance Agency’s superior state-of-the art packages of protection designed specifically with today’s homeowner in mind. We offer no Wind, Hail, or Storm Home Insurance Policies that are designed to meet the needs of you and your loved ones. Guaranteed Replacement Cost-Dwelling Replacement Cost Settlement-Contents Condo Coverage
Homeowners insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners insurance policy provides added security for your investment. Homeowners insurance also protects you if you’re legally liable for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.
Different companies offer different homeowners insurance coverages, so choosing the right policy means finding the right mix of coverages to meet your needs.
Tenant / Renters Insurance Guarantee
If you rent your home, Colony Insurance Agency can help. Having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn’t cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including: Personal property (furniture, electronics, computer equipment, clothing, etc.) Personal liability if someone is hurt, whether in your home or away from it Damage to your apartment or home caused by a covered loss
Imagine going to dinner or a special family get-together, and when you return home, you’re greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it’s affected by any of the following:
Fire Smoke damage Theft Collapse of the building due to weather Water leakage or overflow Freezing of plumbing, air conditioning and more
Renters insurance from Colony Insurance Agency will protect you from incidents that occur while you’re at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable, as well.
You can’t rely on your landlord’s insurance to cover your valuables – landlord insurance only covers the building structure and not your personal property.
Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.
Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Colony Insurance Agency will find the renters insurance that’s right for you.
A large part of the Hampton Roads region is prone to flooding and mortgage companies require the purchase of Flood Insurance based on the location of your home. If your mortgage company has told you are required to purchase this coverage, or you are looking for a better alternative to your existing policy, be sure to give us a call at Colony Insurance Agency. We offer some great policies that tie in to your existing or new homeowner’s insurance policy.
How much liability coverage do you need? Are you protected against a major lawsuit due to an accident? Let Colony Insurance Agency show you how reasonable this protection can be.
Other Policies Offered Mobile Home Owners Flood Insurance Rental Property Scheduled Property