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The Pivotal Insurance Agency LLC

217 West Main Street,
Louisa, VA 23093

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Category: Insurance

Are Personal Belongings Protected with Standard Condo Insurance in Byram?

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Investing in a condo is a great way to own property without purchasing a traditional, family-sized home. If you’re a condo owner in Byram, MS, you may be wondering what is protected by your standard condo insurance or whether you need an additional policy for adequate protection. At Riverside Insurance Agency Inc., we specialize in helping condo owners find the best insurance policies tailored to their specific coverage needs.

What Standard Condo Insurance Covers

Typically, standard condo insurance policies (also known as HO-6 policies in Mississippi) cover the following:

  • Liability: Liability coverage is included in most standard HO-6 policies, such as protection if someone slips, falls, or is injured on your property.
  • Interior: Interior structures like fixtures, cabinets, drywall, and flooring are covered.
  • Belongings: Personal belongings such as household items, decor, clothing, and electronics are typically protected under standard HO-6 policies.

It’s important to review the coverage limitations of your policy to ensure it meets your needs. Take an inventory of your valuables to determine the amount of coverage you require. You may need to consider property replacement cost coverage and personal property coverage limitations based on the items you own and their estimated value.

Whether you’ve always lived in a condo or are purchasing one in Byram, MS, for the first time, understanding your insurance policy and its coverage limitations is crucial. The more familiar you are with what’s included and excluded, the better prepared you’ll be for potential accidents or losses. To learn more about protecting your belongings with the right condo insurance policy, contact Riverside Insurance Agency Inc. today.

I want to start pet sitting in my home for extra money – Does my home insurance cover dogs that aren’t mine?

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If you’re thinking about starting a pet-sitting business in Louisa, VA, you might be wondering if your homeowners insurance will cover any damage that might occur. The answer depends on your policy from the Pivotal Insurance Agency LLC.

What Does Homeowners Insurance Cover?

Pet sitting generally falls into two categories regarding homeowners insurance: property damage and liability. Property damage is defined as physical damage to your home or belongings. This could include things like a pet chewing up your furniture or having an accident on your carpet. Liability, on the other hand, is when someone is injured on your property and sues you as a result.

Coverage for property damage from pets usually depends on whether or not the animal is considered "vicious." Vicious animals are typically excluded from standard homeowners insurance policies. Otherwise, most property damage caused by pet sitting should be covered under a standard homeowners policy.

Liability coverage for pet sitting can also be tricky. Most policies have what’s called a "dog bite clause" which covers injuries caused by bites from dogs listed on your policy. However, this only applies to dogs that YOU own. So if you’re pet sitting for a friend’s dog and that dog bites someone, you probably won’t be covered. To be protected in this situation, you need additional insurance.

Contact Us Today

Before you start pet-sitting in Louisa, VA, contact the Pivotal Insurance Agency LLC. We can tell you whether or not your policy provides coverage for property damage and liability relating to pet sitting. And if it doesn’t, we’ll help you find the right coverage to protect yourself (and your wallet) in the event of an accident.