Homeowners & Renters | gartner-insurance

Homeowner's & Renters

You can also add supplemental policies such as:

Valuable Articles/Floater policies

(i.e. Jewelry Insurance)

Flood policies
Umbrella policies (additional liability)

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

Homeowner’s coverage doesn’t have to be difficult to understand. A Gartner Insurance Homeowner's Policy can cover the following:

Renter's Insurance

Thought you were covered by your landlord's insurance? Think again. You'll need renters insurance to protect your belongings from perils including theft, vandalism, fire and falling objects.

Renters face the same risk as homeowners in cases of disasters striking their home. Your landlord or condo association may have insurance, but this protects only the building, not your things in it. Renters insurance can protect your belongings in case of disaster.

There are several types of residential insurance policies. The HO-4 policy is designed for renters, while the HO-6 policy is for condo owners. Both HO-4 and HO-6 cover losses to your personal property from 14 types of perils:

Fire or lightning
Windstorm or hail
Explosion
Riot or civil commotion
Damage caused by aircraft
Damage caused by vehicles
Smoke
Vandalism or malicious mischief
Theft
Volcanic eruption
Falling objects
Weight of ice, snow or sleet
Malfunctioning plumbing, heating, air-conditioning, fire-protective sprinkler system or household appliance: accidental discharge or overflow of water or steam; sudden and accidental tearing apart, cracking, burning or bulging; or freezing.
Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component).

Discounts

The best way to see the most significant savings when purchasing an insurance policy is to make sure that any discounts offered are taken advantage of. The only way to do this is for us to get to know our customers. Below are some of the types of discounts available with some Homeowners & Renters Insurance policies:

Multi-Policy Discount—If you have more than one policy with us, you can qualify for a multi-policy discount that gets you comprehensive protection and additional savings. That's the benefit of having another Liberty Mutual policy, such as Auto, Life, Condo, Renters, Umbrella or Annuity.
Exclusive Group Savings—Liberty Mutual partners with more than 14,000 employers, alumni associations, and professional associations to offer special savings to their employees and members.1
Protective Devices Discount—Save on your home insurance by outfitting your home with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers.
Insured to Value Discount—When you insure up to 100% of the cost to replace your home (usually different from the market value or selling price), you may receive a discount.
Claims Free Discount—You'll save on a new home policy if you have not filed a claim with your previous insurance carrier for five years or more.
Early Shopper Discount—Save on your home insurance when you request a quote before your current policy's start date or expiration with another carrier.
Newly Purchased Home Discount—Receive special savings if you've recently purchased your home.
New/Renovated Home Discount—You may qualify for special savings if your home was built or substantially renovated recently.

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