Homeowners Insurance

Is there any other place like home?

Sleep well knowing the roof over your head is taken care of. No possession is more important than your house; no possession needs to be more protected either. As a homeowner, insurance protection is one of the most essential components of home ownership. A proper home insurance policy will help protect your house, your family and your possessions--everything of importance, both inside and out.

We offer home insurance, condo insurance and renters insurance to new and existing Luster customers. Luster's policies are underwritten by select homeowners insurance companies.

If you already know what kind of home insurance protection you need, contact us today for a home insurance quote. If you need some more information, find out below.

What is homeowners insurance?

Homeowners insurance, or home insurance, helps compensates you for losses to your home and your possessions inside it. A homeowners policy provides added security for your most important investment. Home insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy. In most cases, a homeowner's policy is required by lending institutions if you choose to mortgage your property.

Why buy condo insurance?

If you own a condominium, you--not your condo association--are responsible for the possessions inside your condo. A personal condo insurance policy is an important aspect of owning a condo.

Why buy renters insurance?

Most renters overlook this simple and affordable investment. Renters insurance helps protect you in case something does happen to your apartment or rental house and your possessions inside. Fire, theft, water damage and other unforeseen circumstances may not be covered your owner's apartment or rental house policy.