Homeowners and Renters Insurance
Affordable Insurance Policies to Protect Your Home
Achieve the lowest rates on a wide variety of insurance coverage categories with Universal Financial Insurance Agency LLC. Based in Elizabeth, New Jersey, where we propose everything from auto insurance to homeowners to commercial general liability to our customers.
Know Your Homeowners Insurance Coverage
What does Homeowners Insurance cover?
Homeowners insurance may cover losses to covered property caused by:
• Weather: Storms, fire, wind, hail, lightning, freezing, weight of ice, snow or sleet
• Non-weather: Theft, vandalism, riots, aircraft and vehicles
• Sudden/accidental: Water from plumbing, tearing/bulging of heating or cooling systems, artificially generated electrical current
* Please refer to your actual policy for a complete list of covered property and covered losses.
What’s not covered by Homeowners Insurance?
Homeowners insurance may not cover:
• If the insured intentionally causes harm to property or person
• Business pursuits or professional services. Learn more about business owners policies.
• Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft
* Please refer to your actual policy for a complete list of losses not insured and policy exclusions.
Understanding Your Home’s Value
Protect your investment. Here’s some quick advice for figuring out homeowner’s insurance costs and coverage options. As always, you can talk to a Universal Financial and Insurance agent.
Personal Property Assessment
Make sure your coverage includes all that you’ve collected or inherited over the years.
Renters Insurance Coverage
What does Renters Insurance Cover?
Personal property, things like computers, furniture, electronics, bikes, etc.
Renters insurance may cover losses caused by:
• Weather: Fire, storms, wind, hail, lightning, freezing, weight of ice, snow or sleet
• Non-weather: Theft, vandalism, riots, aircraft and vehicles
* Please refer to your actual policy for a complete list of covered losses.
What’s Not Covered by Renters Insurance?
Renters insurance may not cover:
• If the insured intentionally causes harm to property or person
• Business pursuits or professional services
• Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft
* Please refer to your actual policy for a complete list of losses not insured and policy exclusion.
How much is Renters Insurance?
Cost: You can insure thousands of dollars of personal property for less than a dollar a day. Get a renters insurance quote today.
Discounts: From adding your car to adding some security, you can earn insurance discounts to keep costs within your budget.