Home insurance is an important investment that protects the financial stability of a homeowner. But what if you own a unique property? Do conventional home insurance policies still apply? Our experts at TAS Insurance Agency, serving the Phillipsburg, NJ area, are here to help you understand the nuances of home insurance for unique homes.
What Qualifies as a "Unique Home"?
A “unique home” can refer to any structure or dwelling that is outside of the typical single-family home, townhouse, or condominium. Examples include historic buildings, log cabins, mobile homes, apartments in converted buildings, and even watercrafts like houseboats. Depending on your local laws and regulations, these types of dwellings may require additional paperwork or inspections before obtaining coverage.
How Does this Form of Home Insurance Differ?
Home insurance for unique homes may differ from standard home insurance in several ways. For starters, the cost and coverage can vary depending on the type of dwelling you own and its location. You’ll also want to make sure that your policy includes additional coverage to protect against natural disasters, vandalism, theft, and other common perils. Additionally, it’s important to work with a knowledgeable agent who understands the specific needs of proprietors of unique homes so they can provide tailored advice based on your particular situation.
We Can Help!
At TAS Insurance Agency serving the Phillipsburg, NJ area, we have years of experience helping homeowners secure home insurance policies for their unique properties. Our experienced agents are dedicated to helping you find coverage for your home that meets all of your needs.
We understand the risk factors associated with owning a unique property and strive to provide our clients with peace of mind. Reach out to us today for more information about our home insurance policies or to get started on getting the proper protection for your unique home.