Employee Protect an R&R Insurance Program for Employees

The Personal Insurance landscape has changed drastically in the last few years, and Condo Owners are feeling it too. It’s harder than ever to understand where your association’s coverage ends and where your responsibility begins. Add in rising rates on both Home and Auto Insurance, and it’s nearly impossible to keep up with what coverages, limits, and endorsements are critical for protecting your condo, your belongings, and your financial wellbeing.

That’s where OwnerProtect from R&R Insurance comes in. Riversbend has partnered with R&R to offer all condo owners access to a comprehensive, no-cost coverage and marketplace review. There is no obligation, and the review costs you nothing but a few minutes of your time.

R&R Insurance is a local, family-owned independent insurance agency that partners directly with over 20 of the top insurance companies in the industry – West Bend, Acuity, Auto-Owners, Cincinnati, Encova, Travelers, Safeco, and more. We compare options in the marketplace and find the best fit for you and your condo.

The Review Process Is Seamless

Simply input your information on the left and the R&R team will reach out directly to begin your review. A typical OwnerProtect review includes:

Gather your current “Declarations Pages” and reviewing your existing condo and auto coverages.
Discussing your exposures, upgrades, improvements, and risk profile as a condo owner.
Comparing options in the marketplace with over 20 A-Rated Insurance Companies
Providing advice, recommendations, and a tailored program designed specifically for your condo and lifestyle.
You walk away with a clearer understanding of your insurance program, improved protection, and in most cases, direct premium savings that go right back into your pocket.

Take control of your Personal Insurance Program with OwnerProtect from R&R Insurance.

Why Condo Owners Need Specialized Coverage

Condo insurance (HO-6) is different from traditional Homeowners Insurance (HO-3) because it must coordinate with your association’s master policy. That master policy covers the building structures, roofs, hallways, and common areas — but isn’t designed to cover your individual exposures.

Your individual Condo Owner’s policy protects:

Your unit’s interior (walls, flooring, cabinetry, fixtures)
Your personal belongings
Your personal liability
Your share of certain losses to the building
Additional living expenses if you can’t stay in your unit

Condo Owners often underestimate how much they’re responsible for. A burst pipe, kitchen fire, or building-wide claim can leave you with unexpected bills unless your coverage is built correctly.

Key Coverages Every Condo Owner Should Have

1. Replacement Cost Coverage for Your Unit (Improvements & Betterments)

Your association’s master policy isn’t designed to provide broad protection for your individual unit. That means:

Upgraded flooring
Custom cabinets
Renovated bathrooms
High-end fixtures

…are your responsibility to insure.

Replacement Cost ensures you’re reimbursed for the full cost to repair or replace damaged interior features without depreciation. This is one of the most important protections for Condo Owners.

2. Replacement Cost for Personal Property

Your belongings — furniture, electronics, clothing, décor — should also be insured at replacement cost, not “actual cash value.” That means:

No depreciationdkd
No arguing over the age of your TV or sofa
You get the cost to buy new items today

3. Personal Liability Protection

Condo living means close proximity to neighbors. Liability coverage protects you if:

Someone is injured in your unit
Your pet causes injury
You accidentally cause damage to another unit (like water leaking into the unit below, a fire that spreads throughout the building, etc.)

We help you choose limits that match your lifestyle, risk profile, and assets.

4. Loss Assessment Coverage

This is the most overlooked, and often most valuable, Condo coverage.

If your association issues a special assessment due to:

A major building claim· A lawsuit
Damage that exceeds the master policy limits
A shared deductible for the association

…you may be responsible for a portion of that bill.

Loss Assessment coverage helps pay your share, often for just a few dollars a month. The carriers we partner with typically have higher available limits than the big names you see in advertisements.

5. Additional Living Expenses / Loss of Use

If a fire, water loss, or other covered event makes your unit uninhabitable, this coverage pays for:

Temporary housing
Increased living costs
Meals and other hardships

This ensures you’re not paying out of pocket while repairs are being made.

6. Optional Coverages for Added Protection

We’ll work with you to provide recommendations on other ancillary coverages, including:

Water, sewer, drain backup & sump overflow
Equipment breakdown
Scheduled jewelry and valuables
Identity theft protection
Personal Cyber protection
Umbrella / Excess Liability

We’ll help you tailor your policy to your exact needs.

Package Your Condo & Auto Insurance for Maximum Savings

Most condo owners also need auto insurance, and bundling the two can unlock:

Lower premiums
One consistent bill
One consistent point of contact

Our Condo and Auto Packages are built to give you the best value without sacrificing protection.

Knowledgebroker Insights

The financial implications of being improperly or under-insured can be devastating, and the impending results can follow you for a lifetime. Relying solely on an internet quote, the latest startup company, or an agent that has only one option can have long-term implications far beyond saving a few dollars or a few minutes during the quoting process.

Your personal asset protection strategy should account for 21st century risks – increasingly frequent civil litigation, rapidly escalating verdict amounts, personal cyber-attacks and identity theft, rising construction costs, and other modern perils.

Knowledgebroker Impact

A poorly constructed personal insurance program is a recipe for disaster. A policy that fails to include critical or newly available coverages, adequate limits of insurance, or a complete and accurate schedule of exposures can financially devastate an individual or family.

Uncovering coverage or exposure gaps after a property loss or initiation of a lawsuit can be a sobering reality. The longer you ignore ineffective, inadequate, or incomplete insurance strategies, the greater the risk of a catastrophic loss. Buying online or placing your trust in an inexperienced broker can jeopardize your assets, wealth, and future earnings.

Knowledgebroker Solution

The R&R Personal Insurance Division’s team of professionals are skilled in designing programs that maximize coverage, properly protect your personal assets, and remain cost competitive. We utilize our broad base of experience and expertise to evaluate personal insurance products and develop comprehensive risk management strategies.

Don’t accept more risk than you need to, and don’t leave critical decisions in the hands of a broker or call center that you can’t emphatically trust. Work with R&R, and let us show you why we’re known across the industry as The KnowledgeBrokers™.

Personal Insurance Products

Home Insurance: Protection for your home, condo, townhouse, apartment, or rental home including coverage for property, liability, loss of use, and more
Auto Insurance: Coverage your personal autos including luxury, classic, exotic, and track-specific vehicles – liability, physical damage, towing, rental, and more
Personal Umbrella: Additional liability limits that extend critical coverage over your underlying liability limits – limits from $1M to $50M+ available
Recreational Vehicles: Personalized coverage for your toys - boats, motorcycles, travel trailers, RV’s, snowmobiles, ATVs, UTVs, off-road vehicles, and more
Valuable Items: Coverage for high value jewelry, fine-art, sporting equipment, wine, and other valuable items with agreed value and no deductible
Cyber Security: Protection against personal cyber risks including cyber-attacks, identity theft, cyber extortion, data breach, phishing, and other modern risks
Flood Insurance: Coverage for damage caused by rising waters, seepage, coastal exposure, and other causes of loss excluded on standard policies
Medicare: Advice and counsel on Medicare, Medicare Part B, Medicare Advantage Part C, Medicare Part D, and Medicare supplement plans
Unique Products and Solutions: Travel insurance, farm and equine, kidnap & ransom, coastal exposure, and other unique and hard to place coverages

Personal Insurance Services

Claim Advocacy and Service: Protection in the event of a loss is critical. R&R has dedicated resources to ensure settlements are timely, fair, and clearly communicated. In the event of a denial or disagreement, our Claim Review Services will analyze coverage, review decisions, and advocate on your behalf.
Insurance Policy Coverage Review: In-depth analysis and review of your current policies to accurately identify exposures, potential coverage gaps, and unfavorable terms and conditions. We’ll recommend the broadest and most comprehensive coverage forms to properly insure your personal assets.
Personalized Client Experience: Clients depend on our responsive, licensed insurance professionals to curate a client experience that is second to none. Our local teams are here to serve – timely contacts, personalized service, routine policy reviews, and open communication across a variety of channels.
Client Education and Knowledge: R&R offers industry-leading insights, informational resources, thought leadership, and educational programs. We provide clients with critical and timely topics related to asset protection, risk management, and the role of insurance in their everyday lives.
Mobile App and On-Line Portal Capabilities: Digital platforms that allow you to access policy information, view policy documents, view real-time Auto ID Cards, request policy updates, report claims, and contact your assigned representative directly.
Global Resources: Specialty risks like family offices, coastal properties, and luxury yachts can present unique exposures and complex claims. Our membership in Assurex Global affords us a partnership with world-wide expertise, local resources, and service capabilities no matter the location.
Broad Capabilities: In addition to Personal Insurance, R&R offers asset protection strategies and products for Business, Employee Benefits, and Wealth Management. We’re your trusted resource for all aspects of insurance, risk management, estate planning, and financial security.
Insured to Replacement Cost: Reconstruction cost increases are outpacing premium increases by a significant margin. R&R works with you to make sure your home is not underinsured.

Private Client Division

Our Private Client Division is a specially curated program for affluent individuals with considerable wealth. Our tailored insurance programs are designed around homes worth $1M or more, luxury and exotic vehicles, high-value personal property, and high-limit liability umbrellas.

High value homes and luxury properties from $1M+
Luxury, exotic, collector, racecars, and track vehicles
Marine, yacht, off-road, and recreational vehicles
High-limit umbrella and excess liability limits up to $50M
Hard to place exposures – seasonal, coastal, and international
Valuable collections – jewelry, fine arts, firearms, wine, and more
Personal cyber including data breach, extortion, and identity theft
Travel coverage, special event, kidnap & ransom, and more

Membership in R&R Private Client affords access to exclusive client service plans, expanded personal insurance resources, and an individualized customer experience. Every client is assigned a Private Client Consultant supported by our award-winning Professional Services team and industry-leading digital capabilities.

Explore the capabilities of R&R Private Client and see if you’re a fit by clicking below.

Explore R&R Private Client

A Personal Insurance Review Tailored Just for You!

Riversbend Employee Protect

Why Condo Owners Need Specialized Coverage

Key Coverages Every Condo Owner Should Have

Ready to connect? You have options!

Knowledgebroker Insights

Knowledgebroker Impact

Knowledgebroker Solution

Personal Insurance Products

Personal Insurance Services

Private Client Division

Personal Insurance Resources

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