Protect Your Assets
At Clarity Insurance, we understand that your future is important to you. That's why we offer a range of insurance products to help you protect it. Whether you're looking for life insurance, health insurance, or auto insurance, we've got you covered. Our team of experienced professionals is dedicated to providing you with the best insurance options tailored to your needs. Trust us to help you safeguard your future.
Types of Property & Casualty Insurance
- Auto insurance
- Homeowners insurance
- Condo insurance
- Renters insurance
- “Toys” insurance
- Landlord insurance
- Business insurance
Property Insurance
Property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage for property owners. Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person other than the owner or renter if that person is injured on the property.
Property insurance can include a number of policies, such as homeowners insurance, renters insurance, flood insurance, and earthquake insurance. Personal property is usually covered by a homeowners or renters policy. The exception is personal property that is very high value and expensive—this is usually covered by purchasing an addition to the policy called a "rider." If there's a claim, the property insurance policy will either reimburse the policyholder for the actual value of the damage or the replacement cost to fix the problem.
Casualty Insurance
In a nutshell, casualty insurance refers to insurance that covers the legal responsibility for losses stemming from damage to another’s property or an injury to another person. In homeowners and renters insurance, you’ll find this type of coverage in your liability coverage amounts of your policy.
Casualty insurance is a common insurance policy for small business owners since it protects a company from liabilities in the situation that a worker is hurt on company property.