House & Home Insurance

Your house is more than bricks and mortar! In fact it is a complete package of memories and the work you have done to turn the house into a sweet home. Therefore, its safety is of utmost importance. At Bonano Insurance, we offer comprehensive protection to cover your unique requirements and lend a helping hand in preventing mishaps from happening.

We believe that everything comprising your home is worth protecting. This is why we offer tailored home coverage to safeguard everything that is dear to you, at a price that is suitable to your budget. In other words, we not only care about you but also take every measure to protect and restore your dreams with affordable and easy coverage. So, no matter how your life changes, with our support you will always feel confident.

Our house & home insurance services include the following –

Dwelling Fire Insurance:

Unlike a standard home insurance policy, dwelling fire insurance comes with more specific and tailored coverage as it is meant for property damage expenses arising from specific hazards. Contrary to its name, its coverage is not limited to smoke and fire only. In fact it offers protection against hazards like vandalism, explosion and few weather related incidents such as lightning and wind.

Flood Insurance:

Being true to its name, flood insurance covers property damage expenses arising from flood. To determine its pricing and level of risk, an insurance provider will take into account the topography of the area which will denote floodplains, lowlands and floodways. Depending on the area, the insurance needs to be bought separately as it is not a part of the standard homeowners’ policies.

Homeowner’s Insurance:

Protecting a home and its possessions against damage and theft, a homeowner’s insurance is a necessity more than a luxury. The insurance is not limited to one’s own house; it can also cover a rental house. Designated HO-1 through HO-8, in the United States there are several forms of the insurance and a number of protection levels are offered depending on the requirements of the homeowner and the type of residence.

Personal Umbrella:

Offering protection beyond the limits of the insured’s auto, home or watercraft insurance; a personal umbrella insurance policy is an extra liability insurance coverage. In other words, it offers an additional layer of security to those who are responsible for other people’s property damage or injuries caused involving accidents. It activates when the insurance owner is sued and his/her original policy’s dollar limit is exhausted.

Renter’s Insurance:

Also known as tenant’s insurance, a renter’s insurance offers liability insurance where a tenant’s personal property is covered against hazards like robbery, fire, vandalism and etc. Additionally, it covers expenses when the rental property becomes uninhabitable.