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Home & Condo Insurance

There's a Lot to Know About Property Insurance

From learning how it can help protect you and your assets…to choosing the right insurance company…to deciding what coverage options are right for you. Explore answers to those questions and more here. Learn how you might be able to save some money along the way with our special property discounts. Request an estimate online or from your Roe Agency agent.

What Should I Consider?

Not everyone has the same insurance needs. See if one of these scenarios describes your situation.

  • I’m buying or have a home.
  • I’ve got a condominium.
  • I’m renting.



What Are My Coverage Options?

Whether you rent or own your home, you’ve got a wide range of property insurance products and coverages to choose from at The Roe Agency.

  • Understand which coverage elements are common among most property insurance policies:

    • Personal Property. To protect movable personal property, mostly within your home. Certain coverage limits apply.
    • Liability Protection. To pay for covered damages which you’re legally obligated to pay.
    • Guest Medical Protection. To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
    • Loss of Use. To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

  • Consider which policy is right for your living situation:

  • Personalize your policy with additional coverage such as:

    • Replacement Cost Coverage. For many of your contents (subject to applicable underlying policy coverage limits).
    • Scheduled Personal Property Coverage. With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sports equipment.
    • Ordinance and Law Coverage. For example, if your home is damaged or destroyed you’d need protection to bring it up to today’s code standards as it is repaired.
    • And many more! See your agent for more information on the Optional Coverages available in your area.

  • Flood Insurance

    Since most Homeowners, Condominium, Mobile Home, or Renter’s Insurance Policies don’t cover a flood, find out if you’re eligible for a Flood Insurance Policy.




Condo's - What Should I Consider?

Owning a condo puts you in a unique position. Unique because you have both common and individual insurance needs. Odds are, your condominium association has an insurance policy for common areas, like the building exterior and walkways. You're still responsible for insuring your interests such as your personal property, yourself from liability and your guest's medical protection. Somethings to consider when shopping for condo insurance.

Your Association

  • How do I know how much coverage my association carries?
  • Are there parts of the building or property they don't insure?
  • What are my insurance responsibilities?


Your Home

  • How much would it cost to repair the inside of my house if it were damaged?
  • How can I make my home safer and possibly save money?
  • Should I purchase Flood Insurance?


Your Property

  • What would it cost to replace the contents of my home?
  • Do I have an inventory and photographs of my personal possessions?


You and Your Guests

  • What kind of protection do I have against liability claims?


Your Coverage's

  • What additional protection can I get for special assessments?
  • What additional protection can I purchase for my personal property such as: jewelry, electronic equipment, cellular phones and other special items?
  • How often should I reevaluate my coverage's?
  • Do I need or have reimbursement for additional living expenses if I can't live in my house due to loss?
  • I'm getting married, can I get additional protection to cover wedding presents and other personal property I receive?