Home insurance protects one of the most important investment you have by providing coverage from loss and liability. Whether you own or rent a home or condominium, Tetrault Insurance Agency has the right coverage options for your particular needs.

Homeowners Insurance

A standard homeowner’s insurance policy includes four essential types of coverage. 

• Coverage for the structure of your home
This pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. Please note: this part of your policy will not pay for damage caused by a flood, earthquake or routine wear and tear.
• Coverage for your personal belongings
  Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Expensive items like jewelry, furs and silverware are covered, but you may want to consider adding an endorsement to your policy to protect more expensive items.
• Liability protection
  Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. The liability portion of your policy pays for both the cost of defending you in court and any court awards. It covers up to the limit of your policy. You are also covered not just in your home, but anywhere.
• Additional living expenses
  This pays the additional costs of living away from home if you can’t live there due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt.

Renter's Insurance

Renter’s insurance is an important coverage that is both necessary and affordable. As a renter, you face the same risk of loss or damage to your personal belongings as a homeowner - accidents do not differentiate between rented buildings and owned homes. Though your landlord may have insurance, your personal belongings will not be protected. Your renter's policy includes:

• Coverage for your personal belongings
  Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Expensive items like jewelry, furs and silverware are covered, but you may want to consider adding an endorsement to your policy to protect more expensive items.
• Liability protection
  Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. The liability portion of your policy pays for both the cost of defending you in court and any court awards. It covers up to the limit of your policy. You are also covered not just in your home, but anywhere.

Condominium Insurance

A condominium policy provides coverage from damage, theft, fire or vandalism as well as personal liability coverage to protect you from a lawsuit in the event someone is hurt in your unit. Although your condominium association will have insurance, these policies only offer coverage for the building structure and complex grounds. Your personal condominium policy offers:

• Full replacement coverage
This is full replacement coverage if your unit is destroyed beyond repair and protection from damages including plumbing, vandalism, malicious mischief, sewer and drain backup.
• Coverage for your personal belongings
  Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Expensive items like jewelry, furs and silverware are covered, but there are generally limits.You may want to consider adding an endorsement to your policy to protect more expensive items.
• Liability protection
  Liability covers you against exposures and medical expenses if someone is injured on your property.
• Additional living expenses
  This pays for expenses incurred if you are unable to live in your home due to a covered claim.

Protect your home with a policy from Tetrault Insurance. Get a quote today from one of our knowledgeable agents.