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HOME INSURANCE

Owning your own home is a great investment and we want to help you protect that investment.
Banterra Insurance offers various options for homeowner insurance by working with top
national insurance brands and customizing a policy that is best for you.

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Condo Insurance

Owning your own condo is an investment that should be protected
and Banterra Insurance can provide condo insurance that protects
the elements of your condominium that are your responsibility.

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Why Banterra Insurance?

Banterra Insurance is there when you need them…local insurance
experts working with the nation’s top insurance brands to offer you
insurance coverage for all of your needs.

COVERAGES AVAILABLE

 Property

Household Property – Covering your personal possessions for their replacement value.
Scheduled Personal Property – Coverage for high-value items that must be scheduled due to policy coverage limits on that class of property (i.e. guns, furs and jewelry, etc.).
Business Personal Property – coverage for personal property that is used in a business.

Coverage Enhancements
Property

Flood – Coverage for water damage to your property caused by temporary situation which lead to two properties or at least two acres of land to be inundated with water.
Earthquake – Coverage for damage to building and contents caused by earthquakes.
Water and Sewer Backup – Coverage for damage caused by backup of water and sewerage through drains and overflow from sump pumps.
Equipment Breakdown – Coverage for an unexpected mechanical or electrical breakdown of equipment not caused by normal wear and tear or corrosion.

Loss of Use

Additional Living Expense – Covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter, and related items.

Liability

Personal Liability – Coverage for your liability if a bodily injury or property damage claim occurs where you could be liable.
Property Of Others Liability – Coverage for property that is not your own, but in your care, custody or control.

Medical

Medical Payments – Coverage for medical payment to an injured party on your premise regardless if you are liability or not.
Pet Coverage – Coverage for illness or injury of your pet.

Other

Identity Fraud Expense Coverage – Coverage for reimbursement of cost of restoring your identity after it has been stolen up to the limit of coverage.

 Property

Household Property – Covering your personal possession for their replacement value.
Scheduled Personal Property – Coverage for high-value items that must be scheduled due to policy coverage limits on that class of property (i.e. guns, furs and jewelry etc.). Business Personal Property-coverage for personal property that is used in a business.

Coverage Enhancements
Property

Flood – Coverage for water damage to your property caused by temporary situation which lead to two properties or at least two acres of land to be inundated with water.
Earthquake – Coverage for damage to building and contents caused by earthquakes.
Water and Sewer Backup – Coverage for damage caused by backup of water and sewerage through drains and overflow from sump pumps.
Equipment Breakdown – Coverage for an unexpected mechanical or electrical breakdown of equipment not caused by normal wear and tear or corrosion.

Loss of Use

 Additional Living Expense – Covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter, and related items.

Liability

Personal Liability – Coverage for your liability if a bodily injury or property damage claim occurs where you could be liable.
Property Of Others Liability – Coverage for property that is not your own, but in your care, custody or control.

Medical

Medical Payments – Coverage for medical payment to an injured party on your premise regardless if you are liability or not.
Pet Coverage – Coverage for illness or injury of your pet.

Other

Identity Fraud Expense Coverage – Coverage for reimbursement of cost of restoring your identity after it has been stolen up to the limit of coverage.

Need A Home Mortgage or Refinance?

Banterra Bank offers competitive rates, online approval qualification and personal
service for your home mortgage, refinance or home equity loan needs.

DISCOUNTS AVAILABLE

Banterra Insurance offers several discount options for condo insurance.

*Discount availability varies by company

DISCOUNT CATEGORIES

  • Multi-Policy Insurance Discount – Ask your agent about multi-policy insurance discounts when you combine condo insurance with vehicle or life insurance or when you have policies with more than one home.
  • Advanced Quote Discount – A discount for quoting home insurance in advance of renewal.
  • Age of Insured Discount – A discount may apply if homeowner is 60 years or older.
  • Protective Device Discount – Get a discount if your condo has smoke detectors, fire extinguishers,
    sprinklers, deadbolt locks or burglar alarms.
  • Paid-In-Full Discount – A discount for paying your premium in full.