Property insurance covers the buildings and property of an individual or a business, for physical damages that fall within policy parameters. Specialized types of coverage include:
It covers physical loss to your property due to flood, that would otherwise be excluded from a property policy. Coverage may be written for your particular property type and location.
Owens Group is up-to-date on recent flood insurance reform by FEMA, as well as private insurance policy providers. If you live in or near a flood zone, we can help you navigate the new policy landscape, and assure that your property is securely insured.
Covers direct physical loss to your property for damages caused by an earthquake or earth movement, which would otherwise be excluded from a property policy.
Covers additional costs to bring the damaged structure in-line with current building codes. Includes demolition to undamaged portion of the covered building, increased costs of construction and demolition costs.
Loss of Business Income
Provides coverage for lost income, and related expenses, due to the suspension of business operations from a specified cause of loss.
Dependent Business Income
Provides coverage for the lost income and associated extra expenses due to the disruption of business operations from a covered insurance loss of a key business partner.