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Personal

Homeowners Insurance

Home

Your home is one of the biggest investments you will make in your life. You should protect that investment in the event of an unforeseen event. Homeowners insurance can cover:

  • House
  • Garage
  • Personal possessions such as furniture, appliances and clothing
  • Living expenses during your loss
  • Injuries caused to third parties and/or their property

   

Condominium

Condominium insurance covers items that your homeowners association insurance policy does not. This can include:

  • Personal property coverage for items in your condominium against losses such as fire or theft.
  • Personal Liability coverage for unintentional acts by you or a qualified household member.
  • Loss of Use coverage for your temporary lodging expenses in the event your condominium is damaged.

   

Tenants/Renters

If you are a renter, your belongings are typically not covered under the landlord’s insurance coverage. In the event of a loss, renter’s insurance can cover:

  • Personal possessions such as furniture, appliances and clothing
  • Living expenses during your loss
  • Injuries caused to third parties and/or their property

   

Other Property Coverage

ONI Risk Partners provides solutions for protecting a variety of properties. From your home away from home to one meant as an investment, we can provide coverage.

  • Seasonal/Secondary Home – Insurance provided for your secondary or vacation home.
  • Farms – Protection for your farm.
  • Investment Property/Vacant Land – Protection for your rental properties or vacant land.

Flood

Flooding is the most common and costly natural disaster, however, your typical homeowner’s insurance policy doesn’t cover flood damage. Flood insurance can help cover:

  • damaged walls and floors
  • ruined personal property
  • drenched carpets and furniture

Earthquake

Earthquakes are another peril typically NOT covered by your standard homeowners policy. Earthquake insurance can cover both the building and its contents in the event of an earthquake.

Contact us to learn more about your flood and earthquake risk, and how this specialized insurance can help protect your property.

Identity Fraud Protection

Identity theft is more common than ever. You probably know someone or have yourself been a victim of identity theft. ONI Risk Partners can provide protection if it happens to you. Coverage includes:

  • costs for notarizing fraud affidavits and certified mail
  • lost income from time taken off from work to meet with law-enforcement personnel or credit agencies
  • fees for reapplying for loans and attorney's fees to defend against lawsuits and remove criminal or civil judgments.

Call us to help protect yourself BEFORE this happens to you.


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