Homeowners Insurance
Protect Your Home, Property, and Peace of Mind
Your home is one of your most valuable assets. At Elite Realty & Insurance Services LLC, we help homeowners protect their property, belongings, and financial future with the right insurance coverage.
What Does Homeowners Insurance Cover?
Homeowners insurance provides financial protection against damage, loss, and liability. We customize your policy based on your home and lifestyle.
Dwelling Coverage
Protects the structure of your home, including:
- Roof
- Walls
- Foundation
- Attached structures (garage, deck)
Personal Property Coverage
Covers your belongings such as:
- Furniture
- Electronics
- Clothing
- Appliances
Liability Protection
Protects you if someone is injured on your property or if you accidentally cause damage to others.
Loss of Use (Additional Living Expenses)
Pays for temporary housing, food, and expenses if your home becomes uninhabitable due to a covered loss.
What Is Typically Covered
- Fire and smoke damage
- Theft and vandalism
- Wind and storm damage
- Certain types of water damage
Loss of Use (Additional Living Expenses)
- Flood damage (requires separate flood policy)
- Earthquake damage
- Sewer or water backup (optional add-on)
Additional Coverage Options
We help you strengthen your policy with additional protection.
- Flood Insurance
- Umbrella Liability Coverage
- Water Backup Coverage
- Replacement Cost Coverage
- Scheduled Personal Property (jewelry, valuables)
Condo & Townhouse Insurance
Protect Your Home, Property, and Peace of Mind
Owning a condo or townhouse comes with unique insurance needs. While your HOA may cover parts of the building, it typically does not cover your personal belongings, interior finishes, or personal liability.
At Elite Realty & Insurance Services LLC, we help you understand exactly what your HOA covers — and more importantly, what it doesn’t — so you can avoid costly gaps in coverage.
Contact Elite Realty & Insurance Services
Contact us today to schedule a consultation, request a free insurance quote, or learn more about our real estate and insurance services.