Home and Renters Insurance

Give Your Home the Protection It Deserves

Your home is one of the most significant investments. Give it the protection it deserves with a home insurance policy from Blue Water Insurance.

As an independent insurance agency, we're able to shop multiple companies to find the policy that fits your situation and budget.

Learn More About Home Insurance

When people shop for home insurance, they may actually be seeking several different varieties of coverage. Homeowner's insurance, renter's insurance, and condo insurance all fall under the category of home insurance.

Whether you own the property that you live on or are renting a home for the short term, you need to have insurance coverage to guard against disasters and losses.

Homeowner's Policy - A homeowner's policy is for people who own their own home or condominium. Essentially, if you're making payments on the home and ownership is the end goal, you will need home insurance.

A homeowner's policy will cover both the outside of the home and all the contents inside it. It will cover most natural disasters (certain disasters like earthquakes may be excluded, but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property.

If your home is burglarized and items are stolen, your policy will help replace stolen items and pay for any damage that may have been caused by the thief.

Renters Policy - A renter's policy covers the inner contents of a home, apartment, or room that you're renting. This policy will cover you in the event of a break-in, natural disaster, fire, and other circumstances that are beyond your control. Even though your landlord will have a homeowner's policy on the place you are living, it doesn't cover your own personal items, which is why renters insurance is a necessity.

Why Work With An Independent Agency?

If you're shopping for home insurance, there's a good chance you'll be surprised about the range of prices that are out there. It's possible that you could save hundreds of dollars or more simply by choosing one company over another.

However, it is important that you only seek quotes from reliable carriers. A local independent agency is the best resource for this since they can get multiple quotes from the top carriers for you online. When you work with an independent agency, you have the power to compare all the best policy options conveniently at home!