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Home Insurance
Home is your safe place, and we are here to help you protect what matters most. Every home and every family has unique circumstances, and we’re here to help you get the coverage you need—whether you own or rent a single-family home, condo, townhouse, manufactured home or mobile home.
As a broker, we pair capability with a personalized, boutique agency level of service from start to finish.
We’re here to serve you.
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Homeowners Insurance
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts. Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
You could also potentially need insurance to protect you from having to pay for:
- Storm damage, fire, lightning, and hail
- Dog bite liability
- Trampoline or swimming pool liability insurance
- Wind damage
- Sinkholes
- Flood damage
- Sewer or septic backups
- Replacement cost for personal property
Condo Insurance
While your Homeowners Association (HOA) master policy covers common areas and the building’s exterior, condo insurance fills in the gaps by protecting your personal space and belongings. Condo insurance is essential for protecting your investment in a condominium. This type of insurance covers your personal property, such as furniture and electronics, and the interior structure of your unit, including walls, floors, and ceilings. It also provides liability protection in case someone is injured in your condo or you accidentally cause damage to someone else’s property. Additionally, condo insurance can cover additional living expenses if your unit becomes uninhabitable due to a covered event, like a fire.
Renters Insurance
Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Other items, such as computers, jewelry, furs, watercraft, and firearms, can also be covered with extended protection. Your renters insurance policy may include:
- Personal property protection
- Family liability protection
- Guest medical protection
- Additional living expenses
- Additional protection
- Temporary housing
- Liability protection for people on your property
Manufactured & mobile
home Insurance
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts. Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
You could also potentially need insurance to protect you from having to pay for:
- Storm damage, fire, lightning, and hail
- Dog bite liability
- Manufactured home coverage
- Trampoline or swimming pool liability insurance
- Wind damage
- Sinkholes
- Flood damage
- Sewer or septic backups
- Replacement cost for personal property
Flood Insurance
Flood insurance is an insurance policy that provides coverage for damage caused by floodwaters. It is typically purchased separately from homeowner’s or renter’s insurance policies. Flood insurance may be mandatory in certain areas, particularly those designated as high-risk flood zones by the Federal Emergency Management Agency (FEMA). Mortgage lenders may require borrowers in these areas to purchase flood insurance.
Umbrella & Excess Liability Insurance
You never know when it might rain. So, just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers and unforeseeable mishaps. Umbrella policy depends on how you decide to set it up. In most cases, umbrella insurance protects you from:
- Injuries you cause in a car accident
- Injuries someone suffers on your property
- Property damage you cause in an accident
- Property damage your pet causes
- Property damage a dependent or child causes
- Attorney fees and other legal costs
Insurance products and services offered through Gamma Insurance Brokerage, LLC, a subsidiary of Guzhuna Financial Group, LLC. Insurance products are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.
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INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GUZHUNA FINANCIAL GROUP OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
