At Smple Insurance, we understand the unique needs of property owners when it comes to protecting their habitational accounts. Whether you own single-family homes, multi-family units, or rental properties, having the right insurance coverage is essential to safeguard your investment, your tenants, and your peace of mind.

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What are Habitational Accounts?

Habitational accounts refer to insurance policies designed for residential properties—properties where people live. These accounts include insurance coverage for both owners and renters, ensuring financial protection in the event of property damage, liability claims, or unforeseen circumstances.

Habitational accounts can apply to a range of property types, such as:

• Single-family homes

• Multi-family units (e.g., duplexes, triplexes)

• Apartments and condominiums

• Vacation rental properties (e.g., Airbnb)

 

Why Are Habitational Accounts Important?

Habitational insurance offers protection for both the physical property and the people who live within it. For property owners, it helps cover repair costs, liability claims, and even loss of rental income in certain cases. For tenants, habitational insurance can provide protection for personal belongings and liability in the event of an accident.

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Here are some key coverage considerations

• Property Protection: Coverage for damage due to fire, vandalism, natural disasters, and more.

• Liability Coverage: Protection in case a tenant or visitor is injured on the property.

• Loss of Rental Income: If your property becomes uninhabitable due to damage, habitational insurance can help cover lost rental income.

• Tenant Insurance: For renters, policies can offer coverage for personal property loss or damage, as well as liability protection.

• Vandalism and Theft: To protect your property against loss due to select criminal activity

• Additional Living Expenses: In the event the property becomes uninhabitable after a covered loss, this can help with alternative accommodations for tenants or property owners during repairs. 

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How Smple Insurance Can Help

At Smple Insurance, we specialize in tailoring habitational insurance policies that meet your specific needs. Our team of experienced agents will work with you to ensure that your property and tenants are fully protected.

 

We offer:

• Customized coverage options

• Competitive pricing

• Expertise in managing habitational accounts for both owners and renters

 

Whether you’re new to property ownership or have an extensive portfolio, we’ll guide you through the insurance process to find the best coverage for your needs.

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Get Started Today with Smple Insurance

Don’t leave your residential properties unprotected. Contact us today to learn more about our habitational accounts and how we can help you secure comprehensive insurance coverage for your properties. We’re here to make sure your investment is covered, so you can focus on what matters most—your tenants and your peace of mind.

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Disclaimer: Coverage details, limits, and exclusions may vary by policy. The information provided is a general overview and does not represent all the terms, conditions, or exclusions of any specific policy. For complete coverage details, including limitations and exclusions, please refer to the actual policy or consult with one of our agents at Smple Insurance.