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<b>Flood Insurance</b><br> Covers damages caused by flooding and waves directly striking property.<br><br> <b>Flood </b><br>A temporary condition of partial or complete submersion of normally dry areas caused by a water source originating outside. The source of water may be from the overflow of inland/tidal waters or from the rapid accumulation of rainwater on/in the soil.<br> <br><b>Mobile Home </b><br> Generally covers damages caused by flood, wind, hail, lightning, falling objects including trees, freezing of plumbing, weight of ice, snow, or sleet, fire, smoke, volcanic eruption, earthquake, power surge, explosion, riot or civil disturbance. This policy typically provides for additional living expenses if the home was damaged by one of the causes listed.<br> <br><b>Condo/Townhouse Unit Policy </b><br> Covers structural elements not shared by other tenants or owned by the association, generally from the sheetrock in, including sheetrock, paneling, wall covering, and personal property within the unit. Policy generally covers damages caused by Wind, hail, lightning, falling objects including trees, freezing of plumbing, weight of ice, snow, or sleet, fire, smoke, volcanic eruption, power surge explosion, riot or civil disturbance. This policy typically provides for additional living expenses if the home was damaged by one of the causes listed.<br> <br> <b>Condo/Townhouse Master Policy </b><br> Covers structural elements shared by other tenants or owned by the association, generally from the studs out. Policy generally covers damages caused by Wind, hail, lightning, falling objects including trees, freezing of plumbing, weight of ice, snow, or sleet, fire, smoke, volcanic eruption; power surge explosion, riot or civil disturbance.<br> <br> <b>Content Only </b><br> Generally covers personal property damages (Does not cover structural damages) caused by wind, hail, lightning, falling objects including trees, freezing of plumbing, weight of ice, snow, or sleet, fire, smoke, volcanic eruption, earthquake, power surge, explosion, riot or civil disturbance. <br> <br> <b>No Insurance for my Home or Personal Property </b><br> Select this if there is NO insurance coverage for the home or personal property losses.<br> <br> <b>RENTERS</b><br><br><b>Content Only</b><br> Generally covers personal property damages (Does not cover structural damages) caused by flood, wind, hail, lightning, falling objects including trees, freezing of plumbing, weight of ice, snow, or sleet, fire, smoke, volcanic eruption, earthquake, power surge, explosion, riot or civil disturbance. This policy typically provides for additional living expenses if the home was damaged by one of the causes listed.<br> <br> <b>No Insurance for my Personal Property</b><br> Select this if there is NO insurance coverage for the personal property losses.