Property Insurance

Stuber Insurance Agency works with you to find the best insurance carrier for your individual property needs.

What coverage is right for you?

  • Apartment/Tenant
  • Condo, townhomes and co-ops
  • Homeowners
  • Homes under construction (Builders Risk)
  • Rental Properties/Landlord
  • Vacation Homes
  • Vacant or unoccupied Homes

All property policies cover two important areas: property and liability.

  • Property: Covers your structures and possessions.
  • Liability: Covers you if you are legally obligated to pay money to another person for actions caused by you, your family, or your property. Liability also extends to medical payments to others for injuries caused by you or your family.
  • Additional Coverage that can be purchased to supplement your insurance:
    Flood Insurance, Umbrella Insurance, Valuables/Jewelry coverage. These are NOT included in a basic homeowners insurance policy. We are here to help you determine what supplements are best for you!

We offer a variety of carriers to cover your individual concerns:

  • Building collapse
  • Damage from aircraft & motor vehicles
  • Debris Removal
  • Earthquake
  • Electrical damage
  • Explosion
  • Falling objects
  • Fire & Lighting
  • Flood
  • Glass breakage
  • Ice/water back-up
  • Overflow of domestic appliances
  • Riot & civil commotion
  • Ruptured plumbing and heating systems
  • Smoke
  • Theft
  • Vandalism
  • Weight of ice, snow and sleet
  • Wind & Hail

Did you know?

  • The cost to rebuild a home not only includes material and equipment costs, but also labor.
  • Insuring your building to market or purchase price may not be enough to cover the expenses to rebuild your home, remove destroyed parts of your home, and preserve parts of your home that remain and/or discard debris.
  • Reconstruction cost is not influenced by the selling price of a home, cost of land, desirability of location or number of homes for sale in an area.
  • Many of the economic factors impacting common goods (i.e., gas prices, supply and demand, medical benefits, etc.) also play a role in construction costs. Over the years these costs have steadily increased.