Habitational exposure insurance in Pennsylvania and Kentucky.

Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We’ll help manage those risks and keep your investment protected.

If you invest in real estate, getting the right insurance coverage is a vital way to protect that investment, although there are several risks to take into account.

First, you’ll need the same basic protections as with standard landlord insurance. These include must-haves like personal liability and property damage, plus optional extras that are well worth considering, such as insurance against lost rent while a property is being repaired.

Next, you’ll need to check how your policy deals with periods when properties are vacant. Some risks are higher during this time, such as those associated with a burst pipe or a fire. If nobody’s in the property, these disasters might not be discovered until the damage is severe.

If you are doing improvement work on a property, such as a renovation or extension, you may need builders’ risk insurance. This covers liability for injuries to construction workers and protects against damage to property, such as vandalism or severe weather, while the property is still under construction and more exposed.

To find out more about insuring your property portfolio, contact us today.

Let’s discuss your habitational exposure insurance options.

One of our benefits advisors will reach out to you to review your information and present you with the appropriate options for habitational exposure insurance. There’s no obligation, just good-old-fashioned advice.
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Hoak Insurance Services offers comprehensive habitational exposure insurance options in Louisville, Prospect, Crestwood, LaGrange, and Jefferson County, KY, along with Brookville, New Bethlehem, Reynoldsville, Punxsutawney, Dubois, Brockway, Clarion and the Greater Pittsburgh Area in PA.