Comprehensive Home Insurance Solutions
At Opulence Insurance & Annuities, Inc., we know that your home is more than just four walls — it’s a place of security, comfort, and cherished memories. Our home insurance solutions provide protection for a wide range of property types, from standard homes and condos to investment properties and vacation homes.
With customizable coverage options, we ensure that you and your property are protected from life’s uncertainties. Our team of experts will guide you through every step, so you can choose the policy that fits your needs.
Get your personalized quote today and protect what matters most!
Home Insurance Solutions
Homeowners Insurance
Protect your biggest investment — your home. Homeowners Insurance covers your house, personal belongings, and liability in the event of a fire, storm, theft, or other unexpected events. It’s your first line of defense when disaster strikes.
Key Features
- Property Damage Protection (Fire, Storms, Theft, and More)
- Personal Belongings Coverage
- Personal Liability Protection
- Temporary Living Expenses
👉 Get a Homeowners Insurance Quote Now!
Homeowner Deductible Coverage
When an emergency happens, paying a large deductible can be tough. Our Homeowner Deductible Coverage reimburses part or all of your deductible, making it easier for you to recover after a loss.
Key Features
- Covers Your Out-of-Pocket Deductible Costs
High-Value Home Insurance
If you own a luxury home or high-value property, you need specialized protection. High-Value Home Insurance protects your unique property features, high-end finishes, and valuable possessions like jewelry, artwork, and collectibles.
Key Features
- Coverage for High-End Homes
- Coverage for Art, Jewelry, and Collectibles
- Enhanced Liability Protection
- Concierge Claims Service
Renter’s Insurance
Even if you rent, your belongings matter. Our Renter’s Insurance protects your personal belongings from theft, fire, and water damage. It also provides liability protection if someone is injured in your rental space.
Key Features
- Personal Belongings Protection
- Liability Coverage for Guests’ Injuries
- Coverage for Temporary Relocation Costs
Short-Term Rental Insurance (Airbnb, VRBO, etc.)
Hosting short-term rentals? Standard home insurance may not cover it. Our Short-Term Rental Insurance protects you from guest-related risks, property damage, and liability concerns.
Key Features
- Property Damage Protection (Caused by Guests)
- Loss of Rental Income Coverage
- Guest Injury Liability Coverage
Landlord Insurance
Protect your rental properties with Landlord Insurance. We cover everything from single-family homes to duplexes, triplexes, and fourplexes. Safeguard your rental income and protect yourself from liability claims.
Key Features
- Coverage for Property Damage and Repairs
- Loss of Rental Income Protection
- Landlord Liability Coverage
Builder’s Risk Insurance (Construction & Renovations)
Building a new home or renovating your current one? Construction comes with risks. Our Builder’s Risk Insurance protects your property during the construction phase.
Key Features
- Coverage for Construction-Related Property Damage
- Protection for Materials and Equipment
- Liability Coverage for Construction Site Incidents
Real Estate Investor Insurance
If you manage multiple investment properties, protect your portfolio with our Real Estate Investor Insurance. From rental units to fix-and-flip properties, we’ll help you stay covered.
Key Features
- Multi-Property Coverage Options
- Loss of Rental Income Protection
- Liability Coverage for Property Incidents
Insurance for Duplexes, Triplexes, and Fourplexes
Multi-unit residential properties require unique insurance solutions. Duplex, Triplex, and Fourplex Insurance ensures each unit and shared space is covered. This policy is perfect for landlords and property investors.
Key Features
- Property Damage Protection for Units and Shared Spaces
- Loss of Rental Income Coverage
- Liability Coverage for Injuries in Shared Areas
Condo Insurance
Condo owners have unique coverage needs. Condo Insurance goes beyond your association’s master policy to protect your personal unit, upgrades, and belongings.
Key Features
- Coverage for Custom Upgrades and Improvements
- Protection for Personal Belongings
- Liability Coverage for Accidents Inside Your Unit
- Loss Assessment Coverage
Manufactured Home Insurance
Manufactured homes require specialized coverage. Manufactured Home Insurance offers protection against weather damage, fire, theft, and more. Whether it’s on private land or in a mobile home park, you’re covered.
Key Features
- Property Damage Protection (Fire, Storms, Vandalism, etc.)
- Coverage for Attached Structures (Porches, Decks, etc.)
- Liability Coverage for Accidents on Your Property
Seasonal Home Insurance (Vacation Homes & Second Homes)
Protect your vacation or seasonal home, even when you’re not there. Seasonal Home Insurance covers theft, storm damage, and other risks that come with owning a home you don’t live in year-round.
Key Features
- Coverage for Part-Time or Unoccupied Homes
- Vandalism and Theft Protection
- Storm and Weather-Related Damage Coverage
Vacant Home Insurance
Vacant homes are at a higher risk for vandalism, theft, and weather damage. Our Vacant Home Insurance ensures your unoccupied property is protected.
Key Features
- Coverage for Theft, Vandalism, and Weather Damage
- Liability Protection for Injuries on Property
- Customizable Policy Duration (Short-Term or Long-Term)
Flood Insurance
Did you know most standard home insurance policies don’t cover flood damage? Flood Insurance protects your property from water damage caused by floods, storms, and rising water levels.
Key Features
- Property Damage from Floods and Rising Water
- Coverage for Personal Belongings and Furniture
- Temporary Living Expenses
Mortgage Gap Protection
If your home’s market value drops below the amount owed on your mortgage, you could face a coverage gap. Mortgage Gap Protection ensures you won’t be stuck paying out of pocket.
Key Features
- Coverage for Value-to-Loan Discrepancies
- Protection Against Real Estate Market Changes
Home Warranty
Breakdowns happen — and they’re expensive. A Home Warranty covers the cost to repair or replace major home systems and appliances like HVACs, plumbing, and electrical systems.
Key Features
- Coverage for Major Systems (HVAC, Plumbing, Electrical)
- Appliance Repairs and Replacements
- 24/7 Emergency Service Requests
Why Choose Opulence Insurance for Your Home Protection?
- Comprehensive Coverage: From renters to luxury homeowners, to real estate investors and builders we have a policy that fit your needs.
- Customizable Options: Tailor your policy to match your specific needs, budget, and lifestyle.
Get Your Personalized Home Insurance Quote
Ready to protect your home, rental, or investment property? Opulence Insurance & Annuities, Inc. makes it easy. Our personalized insurance options ensure you have the right coverage at the right price.
Why Wait?
Call us at (540) 242-1388 or click below to request your FREE Home Insurance Quote.