Home & Property Insurance
Tailored Coverage That Protects Where You Live
Your home is more than just a structure; it’s where your life happens. At Dostal & Kirk, we offer customized home and property insurance to protect what matters most at your primary residence, vacation rental, or investment property.
Our team takes a relationship-first approach, getting to know your needs so that you get thoughtful, responsive protection that evolves with your life.
What We Cover
Initial Fit Assessment
We offer comprehensive home insurance that protects your dwelling, belongings, liability, and more. Every policy is designed around your lifestyle and home features. From water backup recommendations to high-value item scheduling, we handle the details most others miss.
If you’ve just bought your first home or you’re upgrading your forever home, your coverage should match. Our plans are not one-size-fits-all.
Condo & Tenant Insurance
If you own a condo or rent an apartment, you still have property to protect. Our property insurance covers what your building’s policy doesn’t—like personal belongings, liability, and loss of use if your unit becomes unlivable.
For tenants, we’ll help you understand what’s covered and what your landlord expects. For condo owners, we’ll work with the HOA’s insurance policy to avoid duplication or gaps.
Rental Properties (Including Airbnb/VRBO)
Whether you own a long-term rental or list on Airbnb/VRBO, protecting your investment property is key. We specialize in writing policies for:
- Traditional long-term rentals
- Short-term vacation rentals
- Mixed-use or multi-family units
Personal Articles and Assets
In addition to broad liability coverage, we help protect your high-value personal items like jewelry, watches, art, firearms, collectibles with specific endorsements, or personal articles floaters. These protect against risks not covered under standard homeowner’s policies, including mysterious disappearance or damage outside the home.
Many people assume valuables like engagement rings or heirlooms are fully covered by home insurance, but in most cases, they’re not. We’ll help you insure your important items so they’re properly protected.
We’ll walk you through the differences between landlord policies, personal liability needs, and what you may need if your property switches between personal use and renting. Many homeowners don’t realize traditional home insurance won’t cover damage during short-term rentals. Our team ensures your Airbnb or VRBO setup is properly protected.
Why Clients Trust Dostal & Kirk
Ready to Protect What Matters Most?
While buying a new home, switching insurance carriers, or adding a rental to your portfolio, count on Dostal & Kirk to bring clarity, care, and expertise to your corner.
Let’s build a policy that works for you. Contact us today to get started.