Personal Property - Daly-Merritt, Inc.

Daly Merritt, Inc. has a strong history of designing Personal Property Insurance Plans tailored to the needs of our clients. Our customers appreciate knowing that Daly-Merritt represents several of the top insurance carriers in the nation, offering flexibility in coverage and very competitive premiums. In addition, because we represent over 50 quality insurance carriers, we are often able to include specialty coverages that may not be found through other agencies.

HOMEOWNERS
Daly-Merritt's multiple carrier approach offers our clients both competitive pricing and enhanced coverages. Specifically, certain options may be available on our carriers' homeowners policies, including backup of sewers; ordinance or law coverage; and other broadened coverages as compared to a standard homeowners policy.

CONDOMINIUM
Similar to our various homeowners coverages, Daly-Merritt's condominium owners policies may include broadened liability coverages to include personal injury exposures, as well as the other options mentioned above under the traditional homeowners policies.

RENTAL PROPERTY
Rental Property Owners should have a specialty insurance policy to cover their unique needs as a landlord. The structure of the building should be insured for the benefit of the landlord, even where the tenant maintains a separate renter's policy to cover the renter's personal property.

MOBILE HOME
We have a broad selection of carriers offering quality mobile home policies. Options may include full replacement value, special incentives for newer mobile homes, contents coverage, as well as the availability of "vendor's single interest" policies to protect the lien holder.

CONTENTS FOR RENTERS
The availability of replacement cost coverage for a renter's personal property is an inexpensive and recommended coverage for tenants. In addition, specialty items of more substantial value can be specifically added to a policy.

UMBRELLA LIABILITY
This policy adds supplemental liability protection, above and beyond the personal auto and personal homeowners policy protection limits. These policies may provide worldwide coverage and can also protect the insured for personal injury exposures.

PRECIOUS POSSESSIONS
Homeowners should not assume that their most precious possessions are fully covered under a standard homeowners insurance policy. It is important to review these items (e.g., jewelry, furs, artwork, etc.) with a Daly-Merritt representative to determine appropriate coverage. The small additional premium to cover one's most precious possessions can provide additional security for the homeowner.