Protect your home with the right homeowner's policy

Home insurance policies for every situation

Home insurance policies come in many different variations. There's the standard homeowner's insurance (HO-3), renter's insurance (HO-4), condo and townhouse insurance (HO-6), mobile home and manufactured home coverage, and dwelling fire — more commonly known as landlord insurance. Each one offers unique coverages that apply to each type of living or ownership situation.

Homeowners insurance covers damage to the home as well as to the personal possessions inside or around the premises. The policy also provides coverage for additional living expenses should a covered loss occur and you are forced to temporarily move out of your home.

Personal liability coverage is included on all policies and is the most overlooked coverage of them all. Liability comes into play when you become legally liable to pay for injuries and property damage that occur at your home. Several additional coverages are also available for jewelry and special collections.

Renters insurance — don't wait until it's too late

Many renters believe that if a loss occurs where they are living, the owner or property manager's policy will pay for their damaged possessions. This is incorrect. None of your property is covered without a renters policy. If there is a flood or a fire, the building gets fixed — but there is no coverage for the renter's personal property without a renters insurance policy.

Condo and townhouse coverage

As the owner of a condominium, the association's policy typically covers damage to the exterior of the building and common areas. However, damage to your individual unit, your personal property, and your personal liability is likely not covered by the association's policy. Condo policies require a proper understanding to ensure you are not left with significant gaps in coverage.

Landlord and dwelling fire insurance

Dwelling fire policies are used by landlords to cover the building itself, some personal property left with the rental, loss of rental income if the property becomes uninhabitable, and liability as the property owner. Mobile homes and manufactured homes have their own specific policies and are written by a handful of specialized insurers.

Serving all of Las Vegas Valley

Stellar Insurance helps homeowners, renters, condo owners, and landlords in Henderson, North Las Vegas, Summerlin, Boulder City, and surrounding areas — including zip codes 89104, 89101, and 89107.