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Frequently Asked Home / Renters Insurance Questions
 
Do I need additional insurance for my detached garage and storage shed?

While policy language varies from company to company, many homeowner insurance policies automatically cover structures on your property for up to ten percent of the amount of coverage on your dwelling.  Additional coverage may be available.


If my dog bites someone, am I covered?

Generally, an injury to someone other than a household member, resulting from an animal bite, is covered by many homeowners policies. Check your policy to make sure you are protected against this type of loss.


If I plan to add on to my home, what do I need to do to make sure it is protected?

Any modifications that increase the value of your home should be reported to your insurance company. The amount of coverage provided by your policy will be adjusted to reflect the change in value.


Why do I need condominium or townhouse insurance?

Condominium and townhouse insurance provides coverage for your personal possessions, additions and alterations made to the property and loss assessed by the association. Most insurers also include personal liability protection in condominium or townhouse policies.


Why do I need renters insurance?

Renters insurance provides coverage to protect your personal possessions. Renters insurance also provides needed and affordable personal liability protection.
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Property and casualty insurance coverages are underwritten by a member of the Sentry Insurance Group. Click here for a listing of companies. Life insurance and annuity products are issued and administered by Sentry Life Insurance Company, Stevens Point, Wisconsin. In the State of New York, life insurance and annuity products are issued and administered by Sentry Life Insurance Company of New York, Syracuse, New York. Policies, coverages and discounts are not available in all states.
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