Protect your assets with Zeke Insurance

---

Builders Risk Insurance is a specialized form of property insurance designed to protect structures under construction, renovation, or repair. Whether you are flipping a property, performing a major rehab, or building from the ground up, this policy provides coverage during the vulnerable period before the project is complete and occupied. Risks may include fire, theft, vandalism, wind, hail, and certain limited water damage events. Materials, fixtures, and equipment intended to become part of the building may also be covered while on-site, in transit, or temporarily stored elsewhere.
 

Builders Risk Insurance is crucial for property owners, contractors, and investors because standard homeowners or landlord policies often exclude coverage for construction or vacant properties. Without it, a single unexpected loss during construction could derail timelines and result in significant financial setbacks. Policies can be tailored to the specific project, available under a three, six, or twelve-month term, with monthly extensions available if the project takes longer. Optional endorsements can include coverage for theft, liability, and other coverages.
 

By securing Builders Risk coverage, property owners and landlords ensure that their investment remains protected throughout the construction process. This allows projects to move forward with confidence, knowing that both materials and the evolving structure are covered against many common risks.

Flood Insurance protects homes, rentals, and commercial properties from losses caused by flooding, a peril not covered under standard homeowners or landlord policies. Flooding can result from heavy rain, river overflow, storm surge, or rapid snowmelt. Even properties outside designated flood zones can be vulnerable, as nearly one-third of flood claims occur in areas considered low-risk.
 

Policies cover the structure of the property and, depending on the option chosen, its contents. Structural coverage includes walls, foundations, electrical and plumbing systems, and appliances. Contents coverage extends to personal belongings, furniture, and certain valuables. Limits are set based on either National Flood Insurance Program (NFIP) standards or private market options, with deductibles and exclusions that vary by provider.
 

Because flooding can cause catastrophic financial loss, many lenders require flood insurance for properties in high-risk zones. However, even those outside floodplains can benefit from affordable policies that provide security against unexpected events. Waiting periods are typically 10 or 30 days, unless purchasing under a loan closing, so planning ahead is essential.
 

Flood Insurance ensures that when rising waters strike, you won’t be left bearing the cost alone. It provides critical financial protection and peace of mind for property owners in all areas.

General Liability Insurance protects businesses, landlords, and property owners from claims of bodily injury, property damage, or personal injury arising from their operations and premises. It is the foundation of business insurance, providing coverage for accidents such as a tenant slipping on icy steps, a visitor injured on your property, or unintentional damage to another person’s belongings.
 

Policies cover legal defense costs, settlements, and judgments. General Liability is often required by landlords, lenders, or business partners as proof of financial responsibility. Limits can be tailored to business size and exposure, with optional endorsements to expand coverage.
 

This insurance is essential for property owners and landlords who regularly interact with tenants, contractors, or the public. Without it, even a single lawsuit could create devastating financial consequences.
 

General Liability Insurance demonstrates professionalism and preparedness, showing clients and partners that you are committed to responsible risk management. It ensures that day-to-day business activities do not become long-term financial liabilities.

Homeowners Insurance is the foundation of personal property protection, designed to cover both your residence and personal belongings against a wide range of risks. A standard homeowners policy typically includes four main types of coverage: dwelling protection, personal property coverage, liability protection, and additional living expenses if you are displaced due to a covered loss.
 

This policy insures the structure of your home against perils such as fire, windstorm, hail, lightning, and certain types of water damage. Personal property coverage extends to belongings inside the home, like furniture, electronics, and clothing, and may include limited protection for items outside the home. Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to another person’s property.
 

Homeowners policies can be customized with endorsements for jewelry, fine art, home offices, or high-value collections. They can also be bundled with auto or umbrella policies for added savings and protection. Mortgage lenders require homeowners insurance, but beyond that, it is an essential safeguard for your family’s largest investment.
 

Homeowners Insurance delivers peace of mind by ensuring that unexpected losses do not disrupt your financial stability. It provides comprehensive coverage, responsive claims support, and flexibility to adapt to the needs of individual homeowners.

Auto Insurance protects drivers, passengers, and vehicles against financial loss due to accidents, theft, or other unexpected events. A standard auto policy includes liability coverage for bodily injury and property damage you may cause to others, as well as collision coverage for repairs to your own vehicle after an accident. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, fire, and weather damage.
 

Medical payments or personal injury protection (PIP) can help cover medical expenses for you and your passengers, regardless of fault. Uninsured/underinsured motorist coverage is another vital feature, protecting you if the at-fault driver has too little or no insurance. Policy limits, deductibles, and optional coverages can be tailored to suit your driving habits, vehicle type, and financial goals.
 

Auto Insurance is legally required, but beyond compliance, it provides security against the unexpected costs of operating a vehicle. For families, young drivers, or commercial use, customized policies ensure the right level of coverage is in place.
 

By maintaining Auto Insurance, drivers safeguard not only their vehicles but also their personal assets from potential liability claims. It is a critical part of financial planning and risk management for anyone who owns or operates a vehicle.

Professional Liability Insurance protects professionals and businesses against claims arising from mistakes, errors, or negligence in the services they provide. This coverage is especially important for consultants, contractors, real estate professionals, and service providers whose advice or actions can directly impact clients.
 

Claims may include failure to deliver promised services, inaccurate advice, missed deadlines, or errors that result in financial loss for a client. Even if a claim is unfounded, legal defense costs can be significant. Professional Liability Insurance covers legal fees, settlements, and judgments, helping protect both your reputation and your financial stability.
 

Unlike General Liability Insurance, which covers bodily injury or property damage, Professional Liability focuses on the intangible risks tied to expertise and advice. Customizable features include prior acts coverage, extended reporting periods, and industry-specific endorsements.
 

This coverage reassures clients that your agency or business takes accountability seriously, enhancing credibility and trust. Professional Liability Insurance is not just a safeguard, it’s an investment in long-term business security.

Tenant-Occupied Property Insurance, often referred to as Landlord/Dwelling Insurance, is specifically designed for properties rented out to tenants. Unlike homeowners insurance, which assumes owner-occupancy, this policy addresses the unique risks landlords face. It typically includes coverage for the dwelling itself, loss of rental income if the property becomes uninhabitable due to a covered claim, and liability protection if a tenant or visitor is injured on the premises.
 

Landlord Insurance is essential because tenants may not have the same incentive as owners to maintain or protect the property, increasing risks such as fire, accidental damage, or liability claims. The policy can be extended to cover detached structures, appliances provided by the landlord, and in some cases, even acts of vandalism. Optional endorsements may include coverage for loss of rents, liability, vandalism and malicious mischief, and other coverages.
 

Without Tenant-Occupied coverage, landlords often find themselves underinsured, as standard homeowners policies do not cover tenant use. This leaves gaps in both property protection and liability exposure. With this policy in place, landlords can rest assured that their income stream and investment are secured against unforeseen events.
 

Tenant-Occupied Property Insurance is a cornerstone of security for landlords, providing not only property coverage but also the financial stability to weather interruptions. It ensures that your property investment remains protected while continuing to generate income.

Umbrella Insurance provides an extra layer of liability protection beyond the limits of your underlying homeowners, auto, or landlord policies. It kicks in when those policies are exhausted, covering large claims or lawsuits that exceed standard limits. Typical scenarios include severe auto accidents, major property damage or injury, or high-value liability lawsuits.
 

Umbrella policies cover bodily injury, property damage, and certain personal liability claims. For landlords and business owners, they extend protection against tenant or third-party lawsuits.
 

Unlike standard policies, Umbrella Insurance can cover multiple underlying policies, creating a broad safety net for your overall risk exposure. Requirements usually include maintaining minimum liability limits on homeowners, owned property, and auto policies.
 

Umbrella Insurance is essential for anyone with significant assets, rental properties, or business interests to protect. It ensures that one unexpected event doesn’t erase years of financial progress. By adding this safeguard, clients gain confidence that they are prepared for even the most serious liability risks.

Vacant Property Insurance provides essential protection for homes, buildings, or rental units that are unoccupied for extended periods. Vacant properties are at greater risk for perils such as vandalism, theft, water damage, fire, and unnoticed maintenance issues. Because of these risks, standard homeowners or landlord policies may reduce or even eliminate coverage when a property is left vacant for more than 30 or 60 days. Vacant Property Insurance fills that gap, ensuring that your investment is not left exposed.
 

This type of policy covers the physical structure and, in many cases, attached garages, sheds, and other improvements. Coverage may include fire, storm damage, burst pipes, and liability if someone is injured on the premises. Flexible policy terms are available in three, six, or twelve-month increments, with monthly extensions available to align with your expected vacancy period. Investors and landlords between tenants, and property owners preparing for sale or renovation, find this coverage especially valuable.
 

Vacant Property Insurance offers peace of mind during transitions. Whether you are waiting for new tenants, conducting repairs, or holding property prior to occupancy, this coverage ensures that unexpected events won’t result in financial loss. It is a critical safeguard for owners who want to maintain protection until the property is actively occupied again.

Windstorm Insurance offers protection against damages caused by high winds, hurricanes, tornadoes, and hail. While standard homeowners policies often cover wind related events, in coastal or high-risk areas windstorm damage may be excluded or carry high deductibles. A standalone Windstorm policy fills these gaps, ensuring property owners are not left exposed to one of nature’s most destructive forces.
 

Coverage typically includes the home or building structure, detached structures, and sometimes personal property within the building. It reimburses for repairs or replacement of roofs, windows, siding, and other features damaged by wind and hail. Policies may also include coverage for additional living expenses if a property becomes uninhabitable. Deductibles are often calculated as a percentage of the property’s insured value, which can be higher than other perils.
 

Windstorm Insurance is particularly important for landlords and property owners in coastal regions, hurricane zones, or tornado-prone states. Without it, a major storm could result in overwhelming financial loss.
 

By securing Windstorm Insurance, property owners gain confidence that their buildings and investments are protected even in severe weather. It is a targeted solution for high-risk exposures which other policies may leave unaddressed.