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PERSONAL INSURANCE

HOme & Renters

homeowners Insurance

protect your home

How is your home or condominium protected in the event of weather damage, theft or other incidents? It’s your home. And some of the most valuable and personal items you possess are in it. Our agents get to know you and customize a protection that fits your life and the place you live. Find out more about claims service, potential bundle discounts and the other ways we help find coverage for you.

Protects your home in the event of:

  • Fire and Lightning
  • Theft
  • Smoke Damage
  • Freezing Damage
  • Windstorms and Hail

Additional coverage is also available including flood insurance, homeowner liability insurance and coverage for a second home. Contact your Central Insurance agent today to learn more.

renters insurance

coverage for those who rent

Renters face many of the same personal and property threats that homeowners do. A renter and his or her possessions deserve no less protection. Renting a home, apartment, townhome or condominium comes with a significant limitation, you don’t own the property you are renting or leasing.  As a result, you may need to protect not only your personal possessions or personal liability but those of your landlord as well.

Renter's Insurance offers protection for you and your possessions when your landlord's insurance can't help you.

  • Personal property coverage – protects your possessions up to a certain amount from covered losses.
  • Scheduled personal property – optional coverage for more protection above your personal property coverage.
  • Liability coverage – protection from the result of property damage and bodily injury that is the result of your legal liability.
  • Optional coverage options – With so many options available, your renter’s coverage can provide coverage for such losses as water backup of sewer, dwelling based business interests, and other extensions of personal liability.

Renter’s insurance options are available to help protect your possessions from damage or theft. Find out more about claims service, potential bundle discounts and the other ways we help find the right renters coverage for you.

condominium Insurance

be prepared for everything

Disaster strikes. It could be major or minor – in either case, you want to get things back to normal as soon as possible. Condo insurance can help in that regard with standard homeowner coverage, plus coverage options that fit condo life. Protect yourself against damage, theft, the elements and other covered events. Your agent can work with you to find if you’re eligible for bundled discounts and just what special coverage options make the most sense for you.

Options include:

Coverage options include options specific to the dwelling and attached/unattached components thereof, personal property within your condo, liability related to events/persons on your property and recovering after a disaster or event.

Dwelling: We offer coverage for the dwelling with an additional option for built structures not attached to the condo (such as a garage or gazebo).

Liability: This coverage consists of bodily injury and property damage. If an injury occurs on your property, liability coverage can help pay for damages. An additional option, personal umbrella, can offer you additional coverage should you need it.

Disaster: Natural and unnatural disasters happen. Condo insurance offers options for coverage that includes flood, earthquake, sewer backup and more. Additional options provide for coverage that recognizes increases in living expenses in the event of loss of use or for rebuilding after disaster to meet specific building codes.

Contents: Loss of valuables can hurt in more way than one. Options for insuring them include Valuables Plus* (coverage for appraised art, jewelry or other high-value items) and Brand New Belongings** (coverage for replacement/repair of belongings to like-new or new status). *Offered through Nationwide. **®Nationwide

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