Property
Keep your property secure and well-protected
With our property insurance services, you can have confidence and peace of mind knowing that your assets are protected against unforeseen events such as natural disasters, theft, or accidents. We are committed to working tirelessly to ensure you have the right coverage at the right time, allowing you to focus on what matters most – enjoying your property and living your life to the fullest.
PROPERTY INSURANCE YOU CAN RELY ON
Your home is more than just a physical structure
Every property and every client has unique needs. We strive to tailor our coverage options to save you money and provide peace of mind for the place you call home.
Types of Property Insurance We Offer
Condo
Protect your investment and enjoy worry-free living.
Flood
Don’t let rising waters wash away your dreams.
Homeowners
Your home is your haven and needs the right protection.
Landlord
Ensure your rental property is safe from harm.
Renters
Protect your belongings and enjoy peace of mind as a tenant.
Condo Insurance
Protect your condo and everything inside it with our comprehensive condo insurance coverage. We understand the unique needs of condo owners, and our tailored policies offer protection for your personal belongings, liability, and any improvements or upgrades you’ve made to your unit. With our condo insurance, you can enjoy peace of mind knowing that you’re covered against unexpected events that may damage or disrupt your home.
Flood Insurance
Don’t let flood damage wash away your financial security. Our flood insurance provides essential coverage for your property and belongings in the event of a flood. We understand the devastating impact that floods can have, and our policies are designed to help you recover and rebuild. With our flood insurance, you can rest assured that you have the necessary protection to safeguard your property from the unpredictable forces of nature.
Homeowners Insurance
Protect your most valuable asset – your home – with our comprehensive home insurance plans. Our policies offer coverage for your dwelling, personal belongings, liability, and additional living expenses in case of a covered event. Whether it’s damage caused by fire, theft, or natural disasters, our homeowner’s insurance provides you with the security and peace of mind you deserve.
Landlord Insurance
As a landlord, it’s crucial to have the right insurance to protect your investment property. Our landlord insurance policies offer comprehensive coverage, including property damage, liability protection, loss of rental income, and even coverage for legal expenses. We understand the unique risks and challenges landlords face, and our tailored insurance solutions help ensure that you’re protected against unforeseen circumstances that may disrupt your rental income or property.
Renters Insurance
Your personal belongings are valuable, even if you don’t own the property you live in. Our renter’s insurance provides coverage for your personal possessions, liability protection, and additional living expenses in case you need to temporarily relocate due to a covered event. Whether it’s theft, fire, or other covered perils, our renter’s insurance helps protect your belongings and offers peace of mind so you can enjoy your rented space with confidence.
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Discover bundling options with Dickey Insurance Solutions!
Don’t miss out on the benefits of bundling your property and vehicle insurance! Save time, money, and hassle by consolidating your insurance needs with us.
Common questions about
Property Insurance Coverage
What does property insurance cover?
Property insurance typically covers damage or loss to your property caused by covered perils, such as fire, theft, vandalism, or natural disasters. It may also provide liability coverage in case someone is injured on your property.
How is property value determined for insurance purposes?
The value of the property for insurance purposes can be determined based on its actual cash value (ACV), which takes into account depreciation, or its replacement cost value (RCV), which covers the cost to replace the property with a similar item at current market prices.
What factors can affect the cost of property insurance premiums?
The cost of property insurance premiums can be influenced by factors such as the location of the property, its value, the level of coverage desired, the presence of safety features (e.g., security systems), and the claims history of the insured.
Are there any exclusions in property insurance policies?
Yes, property insurance policies usually have exclusions, which are specific situations or perils not covered by the policy. Common exclusions may include damage caused by floods, earthquakes, or certain types of intentional acts. It’s important to carefully review your policy and consider purchasing additional coverage, such as flood insurance, to address any exclusions that are relevant to your location or circumstances.
Can I make changes to my property insurance policy?
Yes, you can typically make changes to your property insurance policy. Whether you need to update your coverage limits, add additional endorsements, or make other modifications, it’s best to contact your insurance provider directly. They can guide you through the process and help ensure that your policy reflects your current needs and circumstances.
Is your property secured?
No matter what type of property insurance you need, we are here to assist you in finding the right coverage for your specific situation. Contact us today to learn more about our insurance options and to receive a custom quote.