Home Insurance Coverages

You know the importance of protecting your home and possessions. GoldenTrust Insurance helps you keep them protected in all unforeseen circumstances. We show you rates and coverage from top-rated companies for you to compare side-by-side.

Protect your family’s biggest investment. Our expert agents will quote homeowners insurance coverage specific to your needs. We will explain what coverage is best for you and walk you through the various types of homeowners insurance.

Dwelling – covers damage to your house and structures attached to your house. This includes plumbing, electrical, installed heating and air-conditioning systems.

Structures – covers structures not attached to your house, including fences, sheds, garages, guest homes

Personal Property – coverage for the value of your possessions including: furniture, electronics, appliances and clothing.

Loss of Use – coverage that will pay for some of your additional living expenses while your home is being repaired

Personal Liability – covers your financial loss if you are sued and found legally responsible for injuries or damages to someone else

Medical Payments – covers medical bills for people hurt on your property by your pets

Know you have the right coverage. Homeowners Insurance covers:

Fire and smoke

Lightning

Tornadoes

Falling trees or objects

Power surges

Damage from ice, snow, or sleet

Windstorms and hail

Theft

Explosions

Water damage *except from floods

Flood Insurance

High-risk for flooding or not, your belongings deserve the extra layer of protection flood insurance provides.

You don’t have to live in a high-risk area to experience losses or damages due to flooding. Just a few inches of water from a flood can cause tens of thousands of dollars in damage.

Know the basics about flood insurance:

Flood damage is not typically covered by a homeowners insurance policy.

If you live in a community that participates in the National Flood Insurance Program (NFIP), you likely qualify for National Flood Insurance.

Flood insurance is required by law for high-risk flood areas in order to receive a mortgage from a federally regulated or insured lender.

If you live in a moderate-to-low risk area, you may qualify for a low-cost Preferred Risk Policy.

Make sure you know the facts! A Golden Trust Insurance Agent can share valuable information to help you understand your policies and options. Flood Insurance is a small price to save what you treasure most

Condo Insurance

Your condo association may have an insurance policy, but understanding the gaps is where we come in. The pleasures of owning a condominium are many. The right condo insurance policy puts your mind at ease. Know the basics about condo insurance.

When you own a condominium, you are responsible for your personal belongings inside your condo.

Condo insurance protects from perils such as fires, frozen pipes and theft.

As a condo owner, your association may look to you to share costs for repairs and lawsuits not covered by the association’s master insurance policy.

You’ll want to insure improvements made to your unit, not covered by your association agreement or the association’s master insurance policy.

Personal liability provides coverage for bodily injury and property damage to others for which you are held responsible.

Renters Insurance

You have a lot to protect, even if you’re renting. Renters insurance protects your valuables and keeps you safe from personal liability concerns.

Renters insurance covers your belongings in case they are stolen or damaged. With renters insurance you can protect your furniture, clothes, electronics, appliances and more. Additionally, renters insurance covers injuries that happen at your place including legal fees if someone sues you. If your place is damage and you need to stay at a hotel, your renters insurance covers that too.

A common question is doesn’t my landlord have coverage for that? Know the difference between renters insurance and what your landlord’s insurance covers. Most likely your landlord’s insurance covers:

The structure including roof, ceiling, and walls if damaged from a storm

Pipe burst damages

Vandalism to the structure or lawn

If you are renting you need renters insurance. Get peace of mind and talk to a Golden Trust Insurance agent about the right renters insurance for you.