Coverage
Property Insurance
Property insurance protects the largest thing most people own. Buildings cover rebuilds the structure; contents cover replaces what's inside; liability cover responds when someone is injured on your property.
The most common mistake is insuring a home for its market price instead of its rebuild cost. Alan will help you get the numbers — and the policy structure — right.
Who this cover is for
- Homeowners protecting the structure and their belongings
- Landlords who need cover shaped around tenants and rental income
- Renters who want their belongings covered even though the building isn't theirs
- Owners of condos and units coordinating with a building master policy
What it can cover
Buildings cover
The structure itself — walls, roof, fixtures — against fire, storm, water damage, and other insured events.
Contents cover
Furniture, electronics, clothing, and valuables, at home and sometimes beyond it.
Personal liability
Legal liability if someone is injured at your property or you accidentally damage others' property.
Alternative accommodation
Temporary housing costs if an insured event makes your home unlivable.
Exact coverage, limits, and exclusions vary by insurer and policy. Before you commit to anything, Alan will walk you through precisely what a specific policy does — and doesn’t — include.
Worth thinking about
- Insure for rebuild cost, not market value — land doesn't burn down.
- High-value items (jewelry, instruments, art) often need to be listed individually.
- Flood and earth-movement cover are frequently separate or optional — worth checking explicitly.
Common questions
Property Insurance FAQs
What's the difference between buildings and contents insurance?
Buildings cover is the structure — if you turned the house upside down, everything that stays put. Contents is everything that would fall out. Owners usually need both; renters typically need contents only.
How do I avoid being under-insured?
Base buildings cover on professional rebuild estimates and keep contents estimates honest — walking room to room with a checklist surprises most people. Alan can guide you through both.
Does home insurance cover flooding?
Not always — flood is one of the most commonly excluded or optional perils. If it's a risk where you live, we'll make sure the policy addresses it explicitly.
Related
Other cover to consider
Let's find property cover that fits.
Tell us what you'd like to protect, and broker Alan Rivera will come back with options explained in plain language. No cost, no obligation.
Prefer to talk? +1 (555) 010-0199