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Your home is your single biggest asset. It’s not only your piece of the American dream, but a place for first steps, graduations, birthday parties and holiday gatherings. It’s a place filled with memories, milestones, family heirlooms and treasured possessions. Your home deserves complete protection from Garrity Insurance.
A standard homeowner’s policy protects you and your home from:
- Sudden and accidental damage from electrical current
- Fire and lightning
- Windstorms and hail
- Explosions
- Smoke damage
- Freezing
- Theft
- Glass breakage
- Falling objects
- Damage due to the weight of ice, snow or sleet
- Accidental discharge of water or steam
- Vehicle damage
- Vandalism
If you own a condominium, rent an apartment or have multiple homes, you can buy insurance specifically designed to meet your needs and lifestyle. Options include:
Rental Properties: Garrity Insurance can provide you with property and liability coverage for dwellings rented to others which are not eligible for standard homeowner’s coverage.
Condo Owners & Renters: Keep in mind that if you rent an apartment or own a condominium, your landlord or condo association’s insurance only protects the building—not your personal belongings. You need insurance to protect your personal property, valuables and liability. There are several types of residential insurance policies. The HO-4 policy is designed for renters, while the HO-6 policy is for condo owners.
Secondary or seasonal Homes: Secondary or Seasonal require insurance that some companies don’t offer. At Garrity Insurance we will assist you in locating the best possible coverage for this type of property.
ADDITIONAL HOMEOWNER COVERAGESScheduled Items
Jewelry, furs, silver, collectibles and other valuables often need to be insured separately (scheduled) so in the case of a loss you are able to recover their assessed value.
Ask Us About Homeowners Discounts
• Security and fire alarm discounts
• Sprinkler system discounts
• Home/auto discounts
• Renovation credits
