About 1 in 15 insured homes has a claim each year.
Homeowners insurance covers more than just fire. Most policies also include coverage for wind, hail, water damage, theft, and personal liability.
Personal Property Coverage
Don’t forget about your stuff! Stern & Associates provides homeowners policies with coverage for your personal belongings too. Furniture, appliances, clothing, and even your dishes are protected. Worried about valuable items like jewelry? Additional coverage may be available through an endorsement.
Liability coverage for homeowners
Your homeowner’s policy covers more than just your home. Every policy includes personal liability protection, which may cover injury or property damage to others caused by you or a member of your household. In addition, your policy includes medical payments coverage for minor injuries to people who don’t live with you but are injured on your property.
Coverage for landlords too
If you own a home and rent it to others, you need a specific type of homeowner’s insurance, known as a “dwelling fire” policy. Contact us to get a quote on this type of policy.
Coverage for Motor Vehicles
Our auto policies provide coverage for legal liability caused by an accident or physical damage resulting from collisions or other incidents. You can also select coverage to fill common gaps, such as coverage for business drivers without a personal auto insurance policy and lease gap coverage. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, Stern & Associates can provide personalized car insurance quotes that are right for you. If trouble comes along, we’ll make sure you’re taken care of every step of the way. We also cover motorcycles, ATV’s boats, RV’s and most other sports and recreation vehicles.