Wherever you call home, we have you covered
Owning or living in a home—whether it’s your primary residence, a rental property, condo, vacation home, or rented apartment—comes with both value and risk. That’s why homeowners' insurance and related property policies are so important. They provide vital financial protection against unexpected events such as fire, theft, storms, water damage, liability claims, and more.
Without the right insurance in place, a single incident could result in thousands of dollars in repair costs, legal fees, or even the loss of your home. In many cases, lenders and associations also require coverage to protect their investment. But more importantly, insurance protects your investment—your home, your belongings, and your peace of mind.
At Imperial, we understand that no two living situations are the same. Whether you need insurance for a primary home, rental property, condo, secondary residence, or a renter's policy, we’ll work closely with you to find coverage that fits your unique needs and budget.
Offering more than just standard policies, we also specialize in Airbnb and short-term rental coverage, and we’re here to help if you’re facing a policy cancellation or non-renewal. With access to a wide range of reliable carriers and customized options, our experienced team is ready to keep you protected—no matter your situation
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Dwelling Fire (DP3)
A Dwelling Fire Insurance policy for a non-owner occupied home is a type of property insurance designed to protect residential buildings that are not the primary residence of the owner—such as rental properties or vacation homes. It typically covers the structure itself against damage from specific risks like fire, lightning, or vandalism. Depending on the policy, it may also offer limited coverage for personal property (if furnished) and liability protection. This type of policy is ideal for landlords or property investors who need insurance for homes they rent out to tenants.
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Condo Insurance (Ho6)
An HO6 policy, also known as condo insurance, is a type of homeowners insurance specifically designed for condominium unit owners. It typically covers the interior of the unit—such as walls, floors, ceilings, fixtures, and personal belongings—as well as liability protection and loss of use if the unit becomes uninhabitable due to a covered event. Unlike traditional homeowners' insurance, it does not cover the building's exterior or common areas, which are usually insured by the condo association's master policy
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Tenants Policy (Ho4)
An HO4 policy, commonly known as renters insurance, provides coverage for individuals who rent their home, such as an apartment, house, or condo. It typically protects the renter’s personal belongings against risks like fire, theft, or water damage. It also includes liability coverage in case the renter is responsible for injury to others or damage to their property, and loss of use coverage, which helps pay for temporary living expenses if the rental becomes uninhabitable due to a covered event. It does not cover the structure itself, which is the landlord's responsibility
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Vacant Property and Property under Rehabilitation
It’s important to contact your insurance agent if a property is vacant or under rehabilitation to ensure it’s properly covered, as standard insurance policies often have limited or excluded coverage for these situations. Vacant or under-renovation properties are at higher risk for issues like vandalism, theft, or fire, and many standard policies may deny a claim if the insurer wasn't informed of the vacancy or construction. By notifying your agent, you can secure the appropriate vacant property or builder’s risk coverage, helping to protect your investment and avoid problems in the event of a loss.