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Residential Insurance

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Homeowners Insurance

There are some things that money can’t buy, like holiday memories or family traditions. But if a loss does occur, do you have enough coverage to protect your family from financial ruin? If you’re like most people, your home is your largest asset. What would it take to rebuild, repair or replace your home at today’s prices? Fortunately, a homeowners policy can provide both protection and peace of mind. Sleep better at night knowing that you and your family will be taken care of in the event of a disaster.

A homeowners insurance policy can provide coverage for:

Property

If a loss occurs, your homeowners policy makes sure your home can be repaired, rebuilt or replaced at today’s prices. This also can include other structures on the property such as a garage, shed or fence.

Possessions

Your appliances, dishes, clothing and any other valuables are protected, at home or elsewhere. Use a Home Inventory Checklist to itemize your personal belongings.

Liability

If someone is injured on your property or if you (or a family member) are accused of injury or damage to others, your homeowners policy may protect your assets from liability claims.

Additional Living Expenses

If a loss occurs, your policy may cover some temporary living expenses while you’re waiting for your home to be repaired. This may include shelter, food and relocation costs.

Additional Coverages

Unique or valuable items, like fine art or jewelry, may require additional coverage. Ask your agent about adding an endorsement to make sure all of your personal belongings are protected.

Home mechanical or electrical breakdowns are often not covered in homeowners policies and may require additional coverage. Our Homeowners Equipment Breakdown Insurance offers protection against those types of costly home improvement repairs.

Dwelling Fire

Dwelling fire insurance is an option for homeowners or for those who rent their house to others; protecting their investment and source of income. If a loss occurs for a landlord and their tenants have to move out, they could be faced with weeks or months of lost income – in addition to the cost of rebuilding, replacing or repairing the property. Whether an owner or a landlord, keep your property, assets and your wallet financially sound by purchasing a dwelling fire policy.

A dwelling fire insurance policy can provide coverage for:

Property

Keep your property protected from disasters, theft or vandalism.

Possessions

Appliances and even tools you keep on site may be covered.

Liability

Protect yourself from liability claims as a result of injury or damage on your premises when you add liability to your policy.

Income

If your property is unfit for use due to a covered loss, your policy may reimburse the rent while your property is being repaired.

Condominium Insurance

Your condominium association may cover the outer structure and common areas of your condominium, but what about the interior? If you’re counting on your condominium association’s insurance policy to cover your unit, you may have a risky gap in coverage. Protect your personal belongings and your assets by purchasing a condominium insurance policy.

A condominium insurance policy can provide coverage for:

Personal Possessions

Your appliances, dishes, electronics, clothing and any other valuables are protected. Use a Home Inventory Checklist to itemize your personal belongings.

Liability

Your condominium policy may protect your assets from liability claims if someone is injured on your property or if you (or a family member) are accused of injury or damage to others.

Additional Living Expenses

If a loss occurs, your policy may cover temporary living expenses while you’re waiting for your home to be repaired. This may include shelter, food and relocation costs.

Additional Coverage

Ask your agent about covering unique or valuable items, like fine art or jewelry, by adding an endorsement to your policy.

Flood insurance

A flood can happen anywhere and anytime, whether your property resides inland or in a low-lying area. Flood insurance must be purchased separately because damage from flooding is not covered under typical homeowners, renters, condominium and landlord policies.

Why Purchase Flood Insurance?

Flood insurance covers your property and possessions damaged as a result of a flood – even if a disaster isn’t declared.

Waiting Period

Keep in mind that most flood insurance policies have a 30-day waiting period for coverage to take effect. Purchase a flood insurance policy now to avoid delays.

Centauri’s Private Flood Program

Ask about our Private Flood Program which offers lower rates than the National Flood Insurance Program (NFIP) and additional features such as no 30-day waiting period, more deductible options, and higher limits for dwelling and contents. In addition, current Centauri Homeowners Insurance policyholders may qualify for our companion Flood Policy Discount.

National Flood Insurance Program

The federal government, FEMA, manages the National Flood Insurance Program (NFIP). Most people are eligible to purchase flood insurance as long as their community participates in the program. Visit FloodSmart.gov for more information about NFIP.

Annual Hurricane Season

May and June mark the start of hurricane season. While weather preparedness is necessarily a year-round exercise (as evidenced by the tornado and hail events that struck policyholders in several states this spring), the increased risks posed by hurricane season call for heightened vigilance and readiness.

Just as we maintain a comprehensive catastrophe plan to respond to an event, your customers should be encouraged to maintain a plan for their families that can be called upon if a severe storm does strike:

  • Close windows, doors, and hurricane shutters. If your customers do not have hurricane shutters,
    ¾ – inch outdoor plywood boards should be used for each window and door of the home.
  • Shut off all utilities (gas, electricity, water).
  • Unplug small appliances.
  • Bring in anything that can become airborne in high winds (bikes, patio furniture, flower pots).
  • Make sure the yard is free of any trees or landscaping that could become wind hazards during a storm.
  • Turn the refrigerator and freezer to the coldest setting, and keep them closed so that food stays fresh longer if the power goes out.
  • Do not use grills or store propane tanks inside the house or garage.
  • Know the warning signals and alerts for the area.
  • Purchase a weather radio and/or download weather apps to stay informed of weather conditions.

Most importantly, the safety of your customers and their loved ones should always come first! For more hurricane information and tips, visit our Disaster Preparedness page.

To manage an existing flood policy, click here.

Tenants Insurance

Your landlord protects the apartment structure. It’s up to you to protect your belongings with a tenants insurance policy. Some apartment complexes require a tenants policy in order to sign the lease. However, even if a tenants policy is not required, it’s always a smart move to protect your family, belongings, and assets by purchasing coverage. Our policies are customizable and affordable, so purchasing coverage doesn’t have to break the bank.

A tenants insurance policy can provide coverage for:

Personal Possessions

Your appliances, dishes, electronics, clothing and any other valuables are protected. Use a Home Inventory Checklist to itemize your personal belongings.

Liability

Your tenants policy may protect your assets from liability claims if someone is injured on your property or if you or a family member are accused of injury or damage to others.

Additional Living Expenses

If a loss occurs, your policy may cover temporary living expenses while you’re waiting for your apartment to be repaired. This may include shelter, food and relocation costs.

Additional Coverage

If you have unique or valuable items, like fine art, collectibles or jewelry, you can purchase an endorsement to cover those items. Contact your agent for details.

Residential Specialty Lines

We are proud to offer residential hurricane and earthquake insurance policies to our customers in Hawaii. In the event of a catastrophic loss, make sure you have enough coverage. The costs of repairing, rebuilding or replacing property may not be included in your homeowners, tenants or condominium policy, so ask your agent today about purchasing residential hurricane and earthquake insurance.

To report severe weather claims, please call:

Our service representatives are available 24 hours a day, 365 days a year.