Residential Insurance

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Homeowners Insurance

Why do I need homeowners, condominium, or renter Insurance?

Available Policy Types:

  • Homeowners (Primary Secondary/Seasonal)
  • Condominium Owners
  • Renter’s

Whether you own your own house, condo, or are currently renting we have an insurance company that can give you the best rate available.

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Condominium Insurance

Whatever your needs are, Acova Insurance has you covered.

Buying insurance is different for a condominium unit owner than for owners of conventional homes or renters. That is why a special unit owners policy has been developed.

Condominium Unit Owner policy is for the customer who owns and occupies (at least part of the year) a dwelling unit in a structure owned and insured by a:

  • Condominium Association
  • Townhome Association
  • Cooperative
  • Homeowner Association

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Mobile/Manufactured Home Insurance

What is the difference between a Mobile Home and a Manufactured Home?

Nothing. Both refer to the same type of home.

Manufactured homes come with an axle and tow bar option meaning your home can be “mobile” having both wheels and axles and a means to quickly connect and tow the home to a new location. Hence, the popular term used for manufactured homes is “Mobile Home”. The industry itself prefers to refer to its products as “Manufactured Homes” as they believe this better represents the quality of today’s mobile home products.

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Renters Insurance

You may not own the structure where you live, but you do own the personal contents of your home.

Renter’s Insurance can protect your personal property against fire, theft and vandalism. Renter’s Insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to Another Person
  • Damage to Another Person’s Property

Whether the incident occured within your rented residence or elsewhere.

You could also receive an additional discount by purchasing your renters and automobile insurance together and we have the companies that allow you to do just that!

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Umbrella Policy (Residential)

Do I need an Umbrella Policy to Insure that I am protected?

Did you know that virtually everything you own could be fair game to pay off a debt. Worried? You should be.

There are many reasons why you should explore the option of placing your home, auto, watercraft, etc. under the protection of an Umbrella policy. Here are just a few reasons.

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