Dwelling Insurance
Dwelling Insurance in NJ, NY, CT, PA and Other States
By definition, a dwelling is a self-contained accommodation for multiple households. Shared buildings can be difficult to insure, but Everett Insurance makes it simple. We offer tailored dwelling insurance for multi-family properties across New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states.
Flood Insurance
If your dwelling is near a body of water, it could be at risk for flooding. Standard dwelling insurance doesn’t cover flood damage, so specialized flood protection is recommended.
Earthquake Insurance
Because earthquakes occur primarily in certain regions, standard dwelling insurance typically doesn’t cover them. If your property is in an earthquake-prone area, specialized earthquake coverage is recommended.
Umbrella Insurance
Owning a rental property carries the risk of lawsuits, even for careful owners. Umbrella insurance is a valuable tool that helps cover legal fees and court-awarded judgments.
Workers’ Compensation
If you employ a building superintendent or other maintenance staff, workers’ compensation is likely required by your state. It also helps keep employees healthy and supports a quicker return to work if they are injured or become ill on the job.
Ensuring the Best Policy for Your Building
At Everett Insurance, we take pride in the strong reputation we’ve earned for service, integrity, and expertise. Our team is committed to helping clients find high-quality insurance policies that meet their individual needs and budgets.
As an independent agency, we’re able to partner with a wide network of trusted carriers—giving our clients access to competitive rates and comprehensive coverage options that larger, single-provider agencies simply can’t offer.
We work with with many insurance providers, including trusted companies like Chubb Insurance, Plymouth Rock Insurance, Travelers Insurance, The Andover Companies, Franklin Mutual, Safeco, Farmers of Salem, Narragansett Bay, Cumberland Mutual and many others.
Get a Quote Today
When it comes to protecting your property, it’s always best to be prepared. Owners across New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states can rely on Everett Insurance to provide comprehensive dwelling insurance designed to safeguard what matters most.
By reviewing your unique needs and financial goals, our team develops personalized, high-quality policies that offer the right level of protection at a price that fits your budget. We also identify bundling opportunities and available discounts to help you maximize your savings.
For more details about our dwelling insurance options or the carriers we partner with, contact Everett Insurance today or request a quote online to get started.
What Other Coverage Options Are Available?
We know every property is unique, and a standard policy may not provide full protection. That’s why we offer options to extend coverage for your multi-family residential building, including:
What Does Dwelling Insurance Cover?
Everett Insurance offers two types of dwelling insurance policies based on the building’s occupants:
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Owner-occupied dwelling insurance: Designed for three- or four-family properties where the owner lives in one of the units.
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Tenant-occupied dwelling insurance: Appropriate when the owner does not occupy the building.
Both policy types begin with coverage for the building itself. In the event of a disaster, the policy will cover the cost of repairing or replacing damaged elements, including the building’s structure, essential systems like plumbing or heating, and common areas. It also protects items that belong to the building owner, such as maintenance supplies or appliances. For landlords, the right insurance can even help supplement income lost while the building is uninhabitable after a disaster.
In addition to property protection, dwelling insurance policies include premises liability and medical coverage. This protects against property damage or injuries that occur to guests visiting your building. As the building’s owner, you may be held responsible, so having insurance in place is essential.