Property Insurance

Property insurance broadly refers to the different types of polices that help protect your property and the contents inside of it. Property insurance is a part of standard home insurance, which also includes liability coverage.

 

The AARP^® Homeowners Insurance Program from The Hartford¹ can help you get the protection you need no matter what type of property you own. Call 877-422-2345 or get a quote online today to learn more about the coverage options and savings available to you.

 

There are different types of property insurance coverage to fit different situations. This coverage is included in many common types of homeowners insurance that protect different properties, like houses, rental units and condos.

 

Property insurance is included in policies like:

 

Homeowners insurance helps provide financial protection for your home and personal belongings if they are damaged by a covered loss. Home insurance also includes liability coverage to help pay for expenses if someone who isn’t a resident of your household gets injured or you damage someone else’s property.

 

If you’re renting a property like a home, apartment or condo, renters insurance can help you stay protected. This coverage helps pay the costs to repair or replace your personal belongings if they are damaged by a covered loss like fire, theft or vandalism. These policies typically include liability coverage as well to help pay legal defense costs if you’re found liable for bodily injury or property damage.

 

While tenants need renters insurance to help protect their personal belongings, owners need landlord insurance to help protect their rental property and the contents inside it. Landlord insurance policies typically provide coverage in cases of property damage to the unit, lost income and liability situations.

 

Condo insurance helps protect the parts of your condo that you’re responsible for insuring, like appliances, fixtures or any improvements you’ve made. It also helps protect your personal belongings, like furniture or clothing, if they are damaged. If you can’t live in your condo for some time after a covered loss occurs, condo insurance can help cover your living expenses up to policy limits.

 

Flood insurance is a type of property insurance that covers damage caused by flooding. However, flood insurance is not included in standard homeowners insurance coverage. To stay protected, you’ll need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP).

 

Personal property insurance is a homeowners insurance coverage that helps protect your personal belongings. It helps pay for repair or replacement costs if personal property like your furniture, clothing and appliances are damaged by a covered loss.

 

Property insurance is a coverage included in your homeowners insurance policy that helps pay for damages to your home or personal property after a covered loss. Some examples of covered losses include fire, lightning, hail and theft.

 

The Hartford is an insurance company backed by over 200 years of experience protecting individuals and their properties. Through the AARP Homeowners Insurance Program from The Hartford, we offer flexible coverages and savings opportunities to help customers get the peace of mind they deserve. Call 877-422-2345 or get a quote online today to start protecting your property.