🏠 Homeowners, Property & Renters Insurance
Protecting your home, property, and belongings.
Whether you own a home, rent an apartment, own a condominium, or have a rental property, the right insurance can help protect your property, belongings, and financial interests.
At VeritasPoint Insurance Services, we help you understand your coverage options and find protection based on your property, lifestyle, and needs.
Support available in English and Vietnamese.
Property Insurance Options
🏡 Homeowners Insurance
Homeowners insurance can help protect your home and personal property from covered losses and can provide liability protection.
Coverage may include:
Dwelling
Other structures
Personal property
Personal liability
Medical payments to others
Additional living expenses
Certain covered losses such as fire, theft, or other covered events
Coverage, exclusions, deductibles, and limits vary by policy.
🏢 Condo Insurance
Condo owners generally have different insurance needs than single-family homeowners.
Condo insurance may help protect:
Personal property
Interior improvements and alterations
Personal liability
Additional living expenses
Certain losses not covered by the association's master policy
The condominium association's insurance generally covers certain common areas and building elements, while your individual policy covers property and exposures that are your responsibility.
Understanding the association's master policy is important when determining your own coverage needs.
🏠 Renters Insurance
You don't have to own a home to need insurance.
Renters insurance can help protect your:
Personal belongings
Personal liability
Additional living expenses after certain covered losses
Certain property away from your residence
Your landlord's insurance generally does not cover your personal belongings.
Renters insurance can provide an affordable way to protect the things you own.
🏘️ Landlord & Rental Property Insurance
Protection for property owners who rent their homes.
If you own a home, condominium, duplex, or other residential property that you rent to others, a landlord or rental dwelling policy may be more appropriate than a standard homeowners policy.
Depending on the policy, coverage may include:
Dwelling/property
Other structures
Landlord liability
Certain rental-related exposures
Loss of rental income following a covered loss
Certain personal property owned by the landlord
Covered property damage
Why landlord coverage is different
A property that is rented to tenants has different risks than a home you occupy yourself.
For example:
Owner-occupied home
→ Homeowners insurance
Property rented to tenants
→ Landlord / rental property coverage may be appropriate
You rent the home you live in
→ Renters insurance
The correct policy depends on how the property is owned, occupied, and used.
Rental Property Questions We May Review
For a rental property, we may ask about:
Property type
Number of units
Owner occupancy
Tenant occupancy
Long-term vs. short-term rental
Number of tenants
Years the property has been rented
Property age
Roof age
Electrical and plumbing updates
Claims history
Property value
Liability limits
Rental income
Mortgage or lender requirements
Short-term rentals, vacation rentals, and certain unusual occupancy arrangements may require different insurance solutions.
What Can Affect Your Property Insurance Premium?
Insurance companies may consider factors such as:
Property location
Construction type
Age of the property
Roof age and condition
Electrical and plumbing systems
Replacement cost
Coverage limits
Deductibles
Claims history
Property use
Occupancy
Protective devices
Other underwriting factors
Coverage We Can Help You Review
Depending on the type of property and available insurance program, we can review:
Dwelling Coverage
Protection for the insured structure.
Other Structures
Coverage for certain structures separate from the main dwelling.
Personal Property
Protection for covered personal belongings.
Personal Liability
Protection against certain claims that you are legally responsible for.
Additional Living Expenses
May help with increased living expenses after a covered loss makes your home uninhabitable.
Loss of Rental Income
May help replace certain rental income after a covered loss, subject to the policy terms and limits.
Deductibles
The amount you may pay before the insurance company pays a covered claim.
How We Help
At VeritasPoint Insurance Services, we take the time to understand your property before discussing coverage.
We can help you review:
Your Property → How It's Used → Your Risks → Your Coverage → Your Budget
Whether you own your home, rent, own a condominium, or have a rental property, we'll help you understand your options.
Personalized support is available in English and Vietnamese.
Ready for a Property Insurance Review?
Whether you're:
Buying a home
Renting a home or apartment
Buying a condominium
Purchasing a rental property
Becoming a landlord
Reviewing an existing policy
Adding or changing a property
Looking for a new quote
We're here to help.