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Tango Insurance

Home & Property Insurance

Securing your home and real estate investments requires more than a standard, off-the-shelf policy. As inflation drives up construction costs and severe weather events increase, standard algorithms often leave homeowners with hidden coverage gaps. At Tango Insurance, we structure tailored property insurance portfolios designed to help you rebuild your home, recover your assets, and safeguard your equity in the event of a covered loss.

Core Coverage Considerations

Many homeowners only discover their policy limits after a catastrophic loss. A highly structured property insurance strategy typically includes the following core coverages to help maximize your resilience.

Dwelling & Structural Coverage

High-limit protection designed to help repair or rebuild the physical structure of your home following a fire, windstorm, or other covered severe weather event.

Extended Replacement Cost

Designed to protect against sudden spikes in labor and material costs by extending your dwelling limit beyond the base policy amount, helping to ensure you have the funds to rebuild after a total loss.

Scheduled Personal Property

Specialized, agreed-value endorsements designed to protect individual high-value items like engagement rings or family heirlooms, often featuring zero-deductible options that bypass standard policy sub-limits.

Water Backup & Sump Overflow

A critical endorsement that provides coverage for severe water damage caused by backed-up drains, sewers, and failed sump pumps—perils that are typically excluded from standard base policies.

Ordinance or Law (Building Code Upgrades)

Helps cover the hidden, out-of-pocket costs required to bring an older, damaged home up to modern municipal building codes and zoning laws during the reconstruction process.

Personal Liability Protection

Robust defense against third-party lawsuits for bodily injury or property damage occurring on your premises. (For limits exceeding standard policy maximums, explore our standalone Personal Umbrella Insurance).

Loss of Use & Additional Living Expenses

Helps maintain your standard of living by covering hotel stays, rent, and food expenses if a covered peril makes your primary residence temporarily uninhabitable.

Portfolios We Protect

Primary Homeowners Tailored risk architecture for your single-family home. We structure comprehensive homeowners policies (HO-3 and HO-5) designed to safeguard your primary residence, focusing on extended and guaranteed replacement cost provisions, precise property valuation, and robust personal liability defense. Condo & Co-op Insurance Tailored "walls-in" risk architecture for your condominium or co-op. We structure specialized HO-6 policies designed to perfectly integrate with your master HOA policy, protecting your custom interior fixtures, personal property, and shielding your balance sheet from unexpected association loss assessments. Renters Insurance Tailored risk architecture for your leased apartment, condo, or single-family home. We structure comprehensive renters policies (HO-4) designed to protect your personal property, help cover temporary living expenses, and shield your personal wealth from third-party liability claims. Investment & Rental Properties Tailored coverage for your non-owner-occupied real estate. We structure landlord policies (DP-3) designed to help protect the physical building, defend against premises liability claims, and help secure your cash flow through loss of rent coverage. Flood & Earthquake Coverage Specialized coverage for catastrophic weather and earth movement. We help you navigate standalone policies and endorsements designed to cover perils explicitly excluded by standard property insurance.

Ready to Secure Your Home & Property?

Stop relying on standard coverage limits. Let our advisors run a comprehensive replacement cost analysis and identify potential gaps in your current policy.

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