Home, Renters & Landlord Insurance

Home, Renters & Landlord Insurance

Get coverage built to protect you and your property

Home Insurance

Why do I need home insurance?

The most important reason is to make sure that you are protecting you and your family financially if any accident were to occur and cause damages to your residence. Home insurance is really important because, in reality, your home is probably the biggest investment you have made in your life.

  • If your home were destroyed by an earthquake, fire, tornado, hail, you will need money to repair the damages or replace them.
  • If one of your guests were hurt from an accident on your property
  • If you’re ever a victim of a break-in, theft, or vandalism
  • If you’re still making mortgage payments your mortgage lender requires that you have homeowners insurance

It’s important to know that your homeowner’s insurance policy is meant to safeguard you and your family from any accident or unexpected damage. Ask Cruz Insurance about what is covered in your policy so the owner knows exactly what is included and what is not.

Questions to ask about your homeowners insurance policy?

  • How much will it cost to replace your home if it is damaged or destroyed?
  • Does the company have a good reputation and customer service?
  • Are they known for paying out claims promptly and fairly
  • What discounts are available to me?
  • What is the process of filing a homeowners insurance claim?

Cruz Insurance number one priority in home insurance is you! We have developed the right relationships with over a dozen insurance companies which allows us to find the best homeowners insurance coverage at an affordable price. We are committed to providing the best rates with knowledge, personal rapport, and excellent customer service. If you have any questions about homeowners insurance don’t hesitate to give us a call today!

Home Insurance Continued

Investing in your own home is a major life step. It makes sense to protect yourself and your home against the unexpected. Homeowner’s insurance covers every detail should your home be destroyed by fire, vandalism or another unexpected situation.

Not only does home insurance pay to have your home repaired or rebuilt, but it also helps you replace personal belongings that were destroyed during the disaster. Insurance pays for replacement items like clothing, jewelry and electronic equipment. While your home is undergoing construction or repairs, homeowner’s insurance pays for your hotel or rental accommodations.

Visitors to your home are covered by home insurance as well. If someone is on your property and becomes injured somehow, liability coverage will pay their medical bills. This insurance coverage covers you in lawsuits related to your property.

Damage to a home by an earthquake or flood are generally not covered by a standard homeowner’s insurance policy. Never overlook these additional coverages, especially if you live near a water source or in an area prone to earthquake activity.

When you take out a mortgage or refinance your home, the mortgage company or bank will require you to purchase homeowner’s insurance protection. Our agents work with you to ensure you have the coverage your financial institution requires and that meets your specific needs.

It’s crucial to make sure your home is protected in the event of an emergency. Damages to a home impact you emotionally, so it’s important to have peace of mind financially.

Our office provides a number of homeowner’s insurance options, including:

  • Home Owners
  • Condo
  • Renters
  • Mobile Home
  • Landlord

Renters Insurance

Renting a home or apartment often requires you to purchase renters’ insurance. It’s important to understand the coverage that most renters’ insurance policies provide. Many renters discover too late that the policy they have doesn’t cover items like damage caused from a natural disaster like flood. Our policy extends coverage to animals of certain breeds.

A standard renters’ insurance policy pays your losses caused by explosion, falling objects, fire/smoke, hail, lightning, theft, vandalism, water damage from burst pipes and wind. In addition, the medical expenses of anyone injured on your property are paid for through your insurance policy coverage. Should you have to relocate while your rental unit is being repaired, the insurance company will pay for your new living arrangements.

If your apartment or rental home is near a river or in an area prone to flooding, you may want to carry flood insurance. While your landlord would be required to pay for damages caused to the building in a flood, any of your personal property ruined in a flood is not covered by your renters’ insurance. The additional coverage will help replace items ruined by flood waters, like your electronics and clothing.

Our agents will help you find renters’ insurance that fits your budget and your needs. Call us today for more information.


​Protection that helps fit your unique needs as a landlord.

There are many areas where a landlord needs coverage that goes beyond what other policies may provide. Allstates’ Landlords’ Package Policy includes the following insurance protection.
Coverage Description: Protects against covered loss to your building caused by many events, except those specifically limited or excluded from policy.
Examples of covered losses:
  1. Fire

  2. Lightning

  3. Falling objects

  4. Smoke

  5. Explosion

  6. Wind and hail

  7. Damage by aircraft

  8. Damage by vehicle

  9. Freezing of plumbing, heating, or air conditioning systems, or household appliances

  10. Collapse of building from weight of ice, snow, or sleet

  11. Building glass breakage

Personal Property
Coverage Description: Provides you with “Named Peril” coverage on most personal property rented with the premises or used to service the building. This means the policy helps insure against sources of loss that are listed on the policy, including the following:
Examples of covered losses
  1. Fire
  2. Lightning
  3. Falling objects
  4. Smoke
  5. Explosion
  6. Wind and hail
  7. Damage by aircraft
  8. Damage by vehicle
  9. Freezing of plumbing, heating, or air conditioning systems, or household appliances
  10. Civil commotion
  11. Collapse of building from weight of ice, snow, or sleet
  12. Electrical current variances (with certain exceptions)
  13. Riot
  14. Breakage of glass
Coverage Description: Provides protection against non-auto liability claims brought by others for injury or property damage occurring on the insured premises
Examples of covered losses:
  1. Emergency first aid
  2. Bodily injury and property damage lawsuits/liability defense costs
Premises Medical Protection
Coverage Description: Covers medical expenses of visitors who are injured in accidents on your property
Examples pf covered losses:
  1. Injuries arising from conditions on property
Fair rental income
Coverage Description: Provides compensation for lost rental income    
Examples of covered losses:
  1. 12-months lost rent

    Compare quotes and get life insurance in right way

    Get an Insurance Quote
    Reliable. Personable. Fast.

    Start a fast, free auto insurance quote with Cruz. We help you find any insurance coverages that are right for you, so you’re not paying for anything you don’t want!

    Get a insurance quote – typically in 2 minutes or less. Switch to Cruz for an insurance policy from a brand you can trust.

    Facing any problem to get a quote!

    Still have you any problem for solutions?

    For any inquiries relating to my Retail and Leadership Programs or Coaching and Mentoring services feel free to speak to me personally by call us during business hours.

    Head office address:

    3556 Hartford Way Vlg, Mount Pleasant, SC, 29466, Australia.

    Call for help:

    (734) 697-2907
    (843) 971-1906

    Mail for information: