Property Insurance​

At MAPFRE Insurance, we understand that a home is much more than just a place to live.

Home > Property Insurance

That’s why we offer many homeowners insurance options, to protect your property and the memories inside.

Our Coverages

  • Property protection
    This coverage offers protection from storms, fire, lightning, equipment or structural failures, falling objects, theft and vandalism.
  • Repair/replacement coverage 
  • Liability coverage
  • Coverage for high value items
    Such as jewelry, artwork and furs.
  • Home systems protection and service line coverage

Beyond the Basics

To extend your policy’s basic protection and to cover a wider range of circumstances, additional endorsements may be purchased to cover:

  • Water and Sewer Backup Coverage
  • Replacement Cost Coverage for your home’s contents
  • Credit Card, Forgery and Counterfeit Money protection
  • Increased limits for Personal Liability and Medical Payment
  • Personal Injury Liability protection
  • Increased limits on certain personal property such as jewelry, silverware and furs
  • Special Personal Property Coverage for most perils affecting your home’s contents

Renters Insurance

Why purchase Renter’s Insurance?

Renter’s insurance is an insurance policy that protects your personal property and personal liability against misfortunes such as fire, theft, smoke, vandalism, injury to another person, etc.

While some renters may not see a need for renters insurance because they don’t own the home, it is important to remember the things inside of the home such as clothes, furniture, sports equipment, antiques, electronics, artwork, and more. Renter’s insurance coverage is available to protect these types of items.

Renter’s insurance also covers you legally if a guest gets hurt or damages your property while visiting your home.

Condo Insurance

Do I really need condo insurance?

If you are a condo owner, it’s likely that you are also part of a condo association which carries condo insurance for the buildings. However, it’s best to also have a condo insurance policy which covers your personal belongings as well as personal liability. Inside your condo are cherished items including furniture, clothing, and household goods, which can be protected in the event of fire, lightning, vandalism, theft and other perils with the personal property protection of your condominium insurance policy.

If you have friends or relatives over your condo, personal liability protection will cover your legal responsibility for any accidents that occur to people or property caused by you, a member of your family or your pets.

Policyholders may sign up for the ReStore Mall to access thousands of discounted home products. 

Questions about Property Insurance

Why purchase Renter’s Insurance?

Renter’s insurance is an insurance policy that protects your personal property and personal liability against misfortunes such as fire, theft, smoke, vandalism, injury to another person, etc.

While some renters may not see a need for renters insurance because they don’t own the home, it is important to remember the things inside of the home such as clothes, furniture, sports equipment, antiques, electronics, artwork, and more. Renter’s insurance coverage is available to protect these types of items.

Renter’s insurance also covers you legally if a guest gets hurt or damages your property while visiting your home.

Do I really need condo insurance?

If you are a condo owner, it’s likely that you are also part of a condo association which carries condo insurance for the buildings. However, it’s best to also have a condo insurance policy which covers your personal belongings as well as personal liability. Inside your condo are cherished items including furniture, clothing, and household goods, which can be protected in the event of fire, lightning, vandalism, theft and other perils with the personal property protection of your condominium insurance policy.

If you have friends or relatives over your condo, personal liability protection will cover your legal responsibility for any accidents that occur to people or property caused by you, a member of your family or your pets.

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Please Note: This is meant only to provide general information about commonly available insurance coverages. Except as expressly noted, this content is not intended to describe any specific coverage offered by MAPFRE Insurance.  No coverage is provided, bound or guaranteed by this article.  Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, including American Commerce Insurance Company (Cal. COA 4928-8), Citation Insurance Company, The Commerce Insurance Company, Commerce West Insurance Company (Cal. COA 1372-2), MAPFRE Insurance Company (Cal. COA 3039-5), and MAPFRE Insurance Company of Florida.