Home Insurance
What's included
What It Covers
Dwelling
Helps pay to repair or rebuild the structure of your home after a covered loss, such as fire, wind or hail.
Other structures
Covers structures on your property that are not attached to the house, like a detached garage, shed or fence.
Personal property
Helps replace your belongings, such as furniture, clothing and electronics, if they are damaged or stolen in a covered event.
Loss of use
Can help with additional living expenses, like temporary housing and meals, if a covered loss makes your home unlivable while it is repaired.
Personal liability
Helps protect you if you are found legally responsible for injuring someone or damaging their property. It can also help with legal defense costs.
Medical payments to others
Can help pay medical bills for a guest who is injured on your property, usually regardless of who was at fault.
Who Needs It
- Homeowners who live in the home they own.
- Buyers closing on a home, since mortgage lenders usually require coverage.
- Owners of condos or townhouses looking for the right form of coverage.
- Families who want to review their current policy as their home and needs change.
Optional Coverages
- Water backupCan cover damage caused by water backing up through sewers or drains, which is often limited or excluded in a standard policy.
- Scheduled personal propertyAdds higher limits for valuables like jewelry, watches, art or collectibles that may exceed standard policy limits.
- Flood insuranceFlood damage is usually not included in a standard homeowners policy and is bought separately, through the National Flood Insurance Program (NFIP) or a private carrier.
- Equipment breakdownCan help repair or replace home systems and appliances, such as heating and cooling units, after a sudden mechanical or electrical failure.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
How much home insurance do I need?
Your dwelling coverage should generally reflect what it would cost to rebuild your home, which can be different from its market value. You should also consider the value of your belongings and how much liability protection makes sense for you. Our agents can help you review these amounts and compare options.
Is flood or earthquake damage covered?
Usually not. Standard homeowners policies typically exclude flood and earthquake damage. Both can be purchased as separate policies or endorsements, depending on where you live and the carrier.
What is a deductible?
The deductible is the amount you pay out of pocket on a covered claim before your policy pays. Choosing a higher deductible can lower your premium, but it means more cost to you when you file a claim.
What is the difference between replacement cost and actual cash value?
Replacement cost coverage helps pay to repair or replace damaged property with new items of similar kind and quality. Actual cash value takes depreciation into account, so the payment is typically lower. Which one applies depends on your policy and carrier.
Ready to Get Started?
Get a personalized Home Insurance quote or speak with one of our experienced agents.