Whether you dwell in a dream home or a DIY labor of love, Smallwood and Small takes your domestic aspirations to heart. As your neighbors and friends, our agents treat your home—and your policy—as if it was their own. Taking into account the age, value and upgrades within your home, we protect your assets and your abode.
Homeowners’ Liability Protection
While wind and fire damage, theft and vandalism coverage are customary components of standard policies, liability coverage protects you over and above your traditional policy. Liability policies protect you if someone is injured in an accident at your home or experiences property damage resulting from your negligence. Liability policies can cover you against claims or lawsuits related to such incidents. Fortify your future; explore your options today.
Your rent may cover your heat and utilities, but it doesn’t cover your personal possessions. Renters’ insurance delivers peace of mind if disaster strikes. Policies cover:
- Your valuables in the event of damage or theft
- Injuries sustained in your rental home and associated medical expenses
- Additional living expenses if your rental becomes uninhabitable
Rent your home, own your future; request a quote today.
Mobile/Manufactured Home Insurance
Mobile or manufactured homes are built for easy living, but the going gets tough without the proper coverage. Our policies cover:
- The structure of your home and outbuildings (shed or detached garage)
- Your personal effects
- Loss resulting from theft or vandalism
- Wind, hail or fire damage
- Personal liability protection
Get a quote today.
Take to the waters worry-free! Our specialized coverage protects your sailboat, fishing boat, houseboat or yacht from bow to stern. This comprehensive coverage protects against many types of losses. It covers:
- Physical loss of—or damage to—your boat’s equipment, accessories, outboard motor or trailer
- Liability protection for bodily injury or property damage
- Medical payments coverage in the event of bodily injury
- Extras such as repairs, emergency towing and replacement of personal effects
Sail securely and save—contact Smallwood and Small for a customized policy today.
Seasonal/Vacation Property Insurance
Whether you favor seaside cottages or rustic retreats, our seasonal property coverages help you savor the simple life. Even if you don’t have your primary home insured with us, we’ll tailor a policy to your use and to your budget. Our comprehensive property policies provide for accidental damage, liability and loss at your seasonal or secondary property. Relax and leave the rest to us—contact Smallwood and Small for a quote today.
Investment Property Insurance
In today’s economy, many people are capitalizing on market conditions by purchasing investment properties. Our specialized coverage protects your investment, your wallet and your sanity. Our coverage protects your asset in the event of theft, vandalism or disaster. And Erie Secure Home® guarantees the replacement cost of your home, covering it in full if it’s damaged or destroyed. Explore your options today.
Rain, hurricanes and high river flows can cause major economic woes. Given that traditional homeowners’ policies will not cover property damages resulting from flooding, flood insurance offers essential protection from the elements. For over 30 years, Smallwood and Small has advised homeowners on their flood risk levels and established appropriate coverages for their homes. Keep your finances afloat; contact us today.