Homeowners Insurance

Protect Yourself, Your Home, and Your Finances.

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from Exposure Consultants, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

• Claims for property damage
• Claims for injury to others (either on or off the premises)
• Liability defense costs
• Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Exposure Consultants to determine the right amount of coverage to keep you protected today.

Protect More Than Just Your Possessions.

For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.

With Condo Insurance from Exposure Consultants, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.

A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.

Contact a specialist at Exposure Consultants today to determine the right amount of coverage you need to keep your condo insured.

Specialized Security for Your Home and Property

At Exposure Consultants, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.

Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:

• Personal Property Protection to pay for loss or damage to most of your personal items
• Family Liability Protection to provide legal representation against injury or property damage claims
• Guest Medical Protection to help cover the medical expenses for visitors injured in your home
• Home & Structure Protection to compensate you for building repairs after a covered accident
• Additional Living Expenses to reimburse you for temporary housing during reconstruction

Additional Benefits for Your Mobile Home

We know how special your mobile or manufactured home is to you, and we’re proud to offer to an exceptional insurance policy that’s designed to meet your budget. You may also qualify for extra savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.

Talk with an insurance specialist at Exposure Consultants to learn how you can save with Mobile Home Insurance.

Security for Your Most Special Possessions

At Exposure Consultants, we know that your personal belongings are an extension of you, and oftentimes, the things you hold onto the most are the items in which you’ve invested much time and money. The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.

Should you decide to add the premium protection of SPP Insurance, one of the specialists at Exposure Consultants will work with you to determine the replacement cost of each item you would want to have insured.

The items you own are unique, which is why at Exposure Consultants, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.

It’s Not Just Your Home, It’s Your Living

Home-based businesses, both big and small, have become one of the fastest growing commercial segments in America. As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. At Exposure Consultants, we want to help you protect the security of your business with proper coverage, because the insurance required most likely goes beyond that of your standard Homeowners policy.

We know that you’ve invested hard work and countless hours into building up your In-Home Business, and because of that, Exposure Consultants wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.

An In-Home Business policy from Exposure Consultants can cover:

• Professional Liability
• Personal property used for business operations
• Loss of income due to a covered event
• Loss or damage to business records and inventory

Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.

Talk to a representative at Exposure Consultants today to create the perfect plan to address all of your business needs.