Home Insurance Coverage for Every Home

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a stable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at McKinneyOlson Insurance, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

• Fire and Lightning
• Collisions from Vehicles or Aircraft
• Hail
• Sewer/Drain Backup
• Windstorm
• Vandalism
• Volcanic Eruption
• Smoke
• Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings. It’s important to talk with a representative from McKinneyOlson Insurance who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy. This is why it’s important to discuss your insurance options with McKinneyOlson Insurance before making a decision.

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 McKinneyOlson Insurance, 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 McKinneyOlson Insurance 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 McKinneyOlson Insurance, 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.

Security for Your Most Special Possessions.

At McKinneyOlson Insurance, 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 McKinneyOlson Insurance 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 McKinneyOlson Insurance, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.

Rent with Confidence.

A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from McKinneyOlson Insurance, you’ll receive a complete degree of protection to keep yourself and your rental property insured.

The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

• Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
• Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
• Legal counsel and fees in the event of a related lawsuit
• Additional expenses to make up for lost income if your property needs repaired through loss of use

Because of the variety of options available, an insurance specialist at McKinneyOlson Insurance is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.

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 McKinneyOlson Insurance, 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, McKinneyOlson Insurance 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 McKinneyOlson Insurance 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 McKinneyOlson Insurance today to create the perfect plan to address all of your business needs.