Builders Risk
Vacant
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High-Value Homes
At Cheri Nelson Insurance, we make sure one of your biggest assets is protected against most disasters. Nothing is more devastating than having a home destroyed by a natural disaster, such as a hurricane. We will make sure you have the right home insurance coverage and prevent you from having an underinsured policy.
Homeowners Insurance
Keep your home protected. Learn more about what property insurance covers, how to save, and how we can build you a policy that fits your budget and needs. It is crucial to understand what is covered and is not in your home insurance policy, such as floods, earthquakes, and more. You can add several additional endorsements to your policy to protect your home even more, such as; Increased Replacement Cost, Personal Property Replacement Cost, Earthquake, Water Back-Up, Equipment Breakdown, and more. Below is an example of what a standard policy looks like, but keep in mind all policies are different based on your needs.
Coverage A - Dwelling
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The dwelling would be the entire structure/house. It is important to know whether your policy is Replacement Cost or Actual Cash Value. Actual Cash Value policies cover the dwelling at a depreciated value, while Replacement Cost policies cover today's cost to rebuild or repair the dwelling.
Coverage B - Other Structures
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Other Structures helps pay to repair or replace structures other than your house. This includes detached garages, fences, sheds, and more.
Coverage C - Personal Property
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Personal Property coverage helps cover personal items that are damaged or stolen at the time of a claim or covered peril.
Coverage D - Loss of Use
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Loss of Use coverage may help pay for living expenses if your house is unlivable due to a covered claim.
Coverage E - Personal Liability
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Personal Liability provides coverages for lawsuits from bodily injury or property damage to others from a covered occurrence.
Coverage F - Medical Payments to Others
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Medical Payments to Others help pay for minor medical expenses to the guest if injured on the property.
Mobile Home Insurance
We offer Manufactured home insurance for homes in parks or on private property. We will find your family a specialized mobile home insurance policy to protect your home against fire or severe storms. Mobile home insurance policies cover damages to the dwelling along with your personal belongings up to your policy limits.
Rental Property Insurance
Rental Property Insurance allows your rental property to be protected against physical damage to the house and other structures on the property, such as a detached garage. This policy can also give you the option to purchase Loss of Rent Coverage, which protects you from losing rent in the event of repairs due to damage on the property. Having the right coverage on your rental property is important to keep your investment safe. At Cheri Nelson Insurance Agency, we will make sure you have the best insurance policy for your needs and budget.
Townhouses/Condo Insurance
Your condo association may provide a master insurance policy but most likely doesn't cover everything. Condo Insurance covers any damages to the interior of the unit and personal property. Condominium Insurance covers these types of damages: lightning, wind, hail, fire, theft, vandalism, and hurricanes. Typically, personal liability is included in the policy to help pay for lawsuits from bodily injury or property damage to others from a covered occurrence. Contact us today to get a condo insurance quote.
Renters Insurance
Whether you rent a house, apartment, or townhouse, every renter should have an inexpensive renters insurance policy to protect their personal property against fire, theft, vandalism, or hurricanes. If you rent from a landlord and there is a fire, theft, or covered water damage, they are not responsible for your personal property. Save money on renters insurance by bundling your policies with Cheri Nelson Insurance Agency. You can also save money by having deadbolts, burglar alarms, and a good insurance history within the past five years.