Home Insurance
Protecting homes, families, and futures with affordable and reliable home insurance. We make coverage simple, personalized, and built around the needs of homeowners and renters alike.
Home Insurance
Your home is one of your biggest investments—protect it with coverage built around your needs.
Buying insurance can feel overwhelming, whether you're purchasing your first home or reviewing your current policy. At Paramount Trust Insurance, we help make the process simple by explaining your options and helping you choose coverage that fits your home, lifestyle, and budget.
Every home is different, and your insurance should be too. We work with you to find protection that gives you confidence and peace of mind.
Life is unpredictable, but the right coverage can help protect you from unexpected events like fire, theft, weather damage, and liability claims.
Types of Coverage
Dwelling Coverage
Helps cover the repair or rebuilding of your home’s structure after a covered loss—including walls, floors, roofing, and built-in features.
Other Structures Coverage
Protects detached structures on your property, such as garages, sheds, fences, gazebos, or workshops.
Personal Property Coverage
Helps protect belongings inside your home like furniture, electronics, clothing, and valuables from covered losses.
Liability Protection
Provides coverage if someone is injured on your property and you are found responsible for damages.
Renters Insurance
For tenants looking to protect personal belongings from covered events such as theft, fire, electrical damage, and more.
Homeowners insurance helps protect both your home and your personal property from covered losses. It can also provide liability protection if someone is injured on your property or if you accidentally cause damage to someone else's property.
A homeowners insurance policy may help cover:
Damage to your home's structure
Personal belongings such as furniture, clothing, and electronics
Liability claims and legal expenses
Medical payments for guest injuries
Temporary living expenses if your home becomes uninhabitable due to a covered loss
Homeowners insurance is typically required by mortgage lenders and provides valuable financial protection for one of your largest investments.
What Is Homeowners Insurance?
What Is Renters Insurance?
Many renters mistakenly assume their landlord's insurance will cover their belongings. In reality, a landlord's policy usually protects only the building itself—not the tenant's personal property.
Renters insurance helps protect:
Personal belongings from covered losses
Personal liability claims
Medical expenses for injured guests
Additional living expenses if your rental becomes temporarily uninhabitable
Renters insurance is often one of the most affordable types of insurance while providing important protection for your possessions and financial security.
What Is Condo Insurance?
Condo insurance helps protect your personal property, the interior of your condo unit, and your finances from covered losses. It can also provide liability protection if someone is injured in your unit or if you accidentally damage someone else's property.
A condo insurance policy may help cover:
Damage to the interior of your condo unit
Personal belongings such as furniture, clothing, and electronics
Liability claims and legal expenses
Medical payments for guest injuries
Temporary living expenses if your condo becomes uninhabitable due to a covered loss
Condo insurance helps fill coverage gaps that may not be covered by your condominium association's master policy and provides valuable financial protection for your home and belongings.
Differences between Insurances:
Renters Ins.
✔ Personal belongings covered
✔ Personal liability covered
✔ Loss of use / temporary housing covered
✔ Guest medical payments may be included
✘ Building or structure not covered
✘ Home rebuilding costs not covered
Homeowners Ins.
✔ Home structure covered
✔ Personal belongings covered
✔ Personal liability covered
✔ Loss of use / temporary housing covered
✔ Guest medical payments may be included
✔ Home repair and rebuilding costs covered
Condo Ins.
✔ Condo unit interior covered
✔ Personal belongings covered
✔ Personal liability covered
✔ Loss of use / temporary housing covered
✔ Guest medical payments may be included
✖ Building exterior and common areas typically not covered
