Home Insurance

We understand that your home is your most valuable asset, and you want to protect it. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

Schmidt Insurance Services can help you find the homeowners insurance that will best meet your needs, tailoring the coverage for quality, service, and value.

Whether you own or rent, insuring the place you call home and your belongings can help protect you financially in the event of a loss due to fire, theft, vandalism, or other covered events. It can also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Different types of Policies

HOMEOWNER'S

This is the traditional policy when the owner occupies the home. It will cover your home, possessions and personal liability.

RENTERS

If you rent the owners policy will not cover your personal belongings in the event of a loss.

Renters insurance will cover your personal belongings, personal liability and temporary living expenses if your rental home becomes uninhabitable.

CONDO

Condo owners need coverage for their unit and personal belongings. The condo association will have insurance that focuses on the building structure and common areas.

LANDLORD

Landlord insurance is for you if you have rental properties or tenants. From property damage to certain lawsuits against you, it’s essential whether you make a living renting multiple properties or you’re an “accidental landlord,” renting the home you just moved out of and can’t sell. Landlord insurance is especially important because standard homeowner's policies don’t usually cover homes being rented out.