Homeowner’s Insurance 101
At Corrigan, we believe that educated consumers make for happy customers.  In fact, the greatest compliments we can receive are referrals from our happy customers.  We believe that before you purchase a product from us, you should fully understand what you are getting in return. 
That being said, let’s take a look at the three main categories of thought pertaining to homeowner’s insurance:

• Your home and other structures:  This provides coverage for your home and other structures such as a shed or detached garage.  
• Personal Property: This coverage protects the homeowner’s household contents and personal belongings—essentially everything in your house down to your VCR and sofa.
• Personal Liability: This coverage protects the homeowner if someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage.  A homeowner policy provides liability and personal property insurance to financially protect you should this ever occur.

Many people who rent or own a condo don’t have access to Homeowner’s liability insurance.  However you still need coverage for your household contents and personal belongings, and liability. 

Corrigan’s Home Owners Insurance
At Corrigan we know how much your home means to you.  That’s why we know how important it is to protect your home and personal property with the right home insurance coverage from Corrigan.
Corrigan provides home owners insurance that protect your home from damage and theft due to:

• Fire and lightning
• Windstorm and hail
• Weight of ice or snow
• Smoke damage
• Falling objects
• Freezing damage
• Theft
• Vandalism
• Accidental overflow from plumbing
• Accidental electrical damage to appliances
• Damage by vehicles

In addition to damage and theft, it’s important to realize that your need to protect yourself, your family, and others while living or visiting in your home.  Our insurance also covers:

• Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
• Protection against claims you're legally obligated to pay
• Payment of the cost of defending claims against you
• Medical expenses of others
• Accidental death benefits

Ways to Save on Homeowners Insurance
There are many ways in which you can save on homeowners insurance with Corrigan. You can reduce your cost of homeowners insurance by taking a few proactive steps toward safety in the home:

• Monitored fire and burglar alarms
• Local ultrasonic burglar alarms
• Fire extinguishers
• Deadbolt locks on all exterior entryways
• Sprinkler systems
• Condo insurance combined with auto insurance or other Nationwide policies

Additional items covered under your Homeowner’s Policy
Homeowners insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these additional homeowners insurance coverage options to tailor a policy that’s right for you.
Scheduled personal property
Provides additional homeowners insurance coverage for high value items such as jewelry, watches, antiques and fine art.
Replacement cost plus
Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild.
Extended replacement cost on contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
Water backup of sewer
Broadens the coverage for loss due to water backup through sewers or drains.
Ordinance or law
Pays for increased expense to rebuild due to current building codes or ordinances

What are the factors that effect Homeowner’s Insurance?

1. How the home/dwelling is constructed (frame, brick, masonry)
2. The size of the home/dwelling
3. How old the home/dwelling is and what condition it’s in
4. When the home was last renovated \ what systems were updated such as plumbing, electrical, furnace, roof, etc.
5. Location of home/dwelling
6. Proximity to local fire protection
7. Presence of safety features (smoke detectors/fire alarm system, security system, sprinklers, etc.)
8. Previous claims history on the property and owner
9. Probability of certain types of peril (hurricanes, tornadoes, hail, windstorms, for example)
10. Full-time residence or seasonal; occupied or vacant
11. Deductibles, coverage, and benefit limits selected
12. Homeowner's credit history

Renters Insurance

When renting a home, apartment, or even a dorm, you need renters insurance to protect you and your rental property. Corrigan can offer you affordable renters insurance with coverage that perfectly made to meet your needs.
Why do you need renters insurance?
Your landlord’s insurance policy doesn’t cover your belongings. So if fire, theft or weather damages your property, you’ll need the protection of renters insurance.
Renters insurance also protects you if an accident happens at your home. Nationwide renters insurance can pay if you’re liable for damages to others’ property. It can also pay if injuries occur at your residence and help with the cost of legal defense. Even the cost of a small accident adds up quickly. Make sure you’re protected with the right renters insurance from Nationwide. 

Renters insurance is affordable
Renters insurance is surprisingly affordable. Nationwide allows you to tailor your coverage so that you get the insurance you want at a price you can live with.
Discounts for affordable renters insurance
Corrigan offers a variety of ways to save even more on your renters insurance. We offer discounts for:

• Monitored fire and burglar alarms
• Local ultrasonic burglar alarms
• Dead bolt locks on all exterior entryways
• Fire extinguishers
• Sprinkler systems
• Renters insurance combined with auto

Renters Insurance Coverage
Renters insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these renters insurance coverage options and tailor a policy that’s right for you.
Personal liability
Covers bodily injury and property damage to others caused by your actions and/or negligence.
Medical payments
Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild.
Extended replacement cost on contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
Water backup
This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not flood insurance.)
Ordinance or law
Pays for increased expense to rebuild due to current building codes or ordinances.
Credit card
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This coverage also applies to forged checks and counterfeit money.
Jewelry, watches, furs
Pays for the physical loss of jewelry, watches, furs, and precious and semiprecious stones.
Firearms
Pays for the physical loss of firearms and accessories.
Extended replacement cost
Pays full replacement costs without depreciation for covered personal property losses.
Personal injury liability
Provides coverage for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.
Theft extension
Provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.
Earthquake and volcanic eruption
Pays for losses to your property caused by earthquake or volcanic eruption.
Building/additions/alterations
Pays for damages to additions, alterations, fixtures, improvements or installations that you make to your residence.
Loss of use
Provides reimbursement up to the limit specified on the policy for additional living expenses resulting from being unable to live in your home.
Money
Pays for the physical loss of money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.
Hurricane
Provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.
Windstorm or hail
Provides coverage for property damage resulting from windstorms, hail and tornados.
Securities
Pays for the physical loss of securities, accounts, bills, deeds documents, evidences of debt, letters of credit, notes other than bank notes, passports, stamps and tickets.

Condo Insurance
Whether you live in a single family home or or own a condominium, your personal property needs to be protected.  Protect what’s yours with a condo insurance policy from Corrigan’s Insurance.
Why you need condominium insurance coverage?
While your condo association likely covers a small area of your condo complex, it will not cover an accident or theft inside your condo, therefore, you’ll need extra protection. Corrigan offers condominium homeowners insurance that can be tailored to fit your unique needs.
Protect your condo from damage and theft

• Fire and lightning
• Windstorm and hail
• Weight of ice or snow
• Smoke damage
• Falling objects
• Freezing damage
• Theft
• Vandalism
• Accidental overflow from plumbing
• Accidental electrical damage to appliances
• Damage by vehicles

Protect yourself, your family and others

• Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
• Protection against claims you're legally obligated to pay
• Payment of the cost of defending claims against you
• Medical expenses

Condo Insurance Coverage 
Condominium insurance policies typically provide basic protection. But they may not provide all of the protection you want or need. Consider these additional condo insurance coverage options to tailor a policy that’s right for you.
Scheduled personal property
Provides additional condominium insurance coverage for high value items such as jewelry, watches, antiques and fine art.
Extended replacement cost on contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
Water backup of sewer
Broadens the coverage for loss due to water backup through sewers

Mobile home Insurance
Mobile homes and manufactured homes have special insurance requirements.  Corrigan offers mobile home insurance specifically tailored to protect your mobile, modular, or manufactured home and personal property.
Mobile home liability protection
Our mobile home insurance includes liability coverage that can help protect you financially if anyone is hurt on your property.
Protect your mobile or manufactured home from damage and theft

• Fire and lightning
• Windstorm and hail
• Weight of ice or snow
• Smoke damage
• Falling objects
• Freezing damage
• Theft
• Vandalism
• Accidental overflow from plumbing
• Accidental electrical damage to appliances
• Damage by vehicles

Identity Theft
Nothing is more upsetting then someone getting their hands on your personal credit account information.  In an instant, identify fraud can rob you of your money, your credit score, and countless hours of your life spent trying to restore what was once your good name. 
Protect yourself with identity theft coverage from Corrigan.
How does Corrigan identity theft coverage work?
Fast. Just make one call to our identity theft hotline. Our identity theft experts will immediately take steps to secure your personal accounts and stop the progress of fraud in its tracts.  Here’s how our experts will assist you:

• Quickly assess your situation to determine if fraud has occurred
• Stop damage to your credit within minutes of your authorization by directly contacting major credit bureaus
• Make all required phone calls to creditors, banks and agencies
• Assist you in replacing documents including driver’s license, passport, social security card or other ID
• Provide an emergency cash advance if theft occurs while away from home (restrictions and limits apply)
• Provide up to $25,000 in recovery for expense reimbursement with no deductible
• And provide a full host of Identity Theft protection services to save you time money and frustration