Homeowners Insurance That Protects More Than Just Your House
Reliable Protection for Your Home, Belongings & Peace of Mind
Your home is likely your biggest investment-and it deserves coverage that's built around your needs, not just a generic policy. Whether you own a house, condo, or vacation home, we'll help you compare homeowners insurance options from multiple carriers, explain everything clearly, and customize a plan that fits your property, lifestyle & budget.
What’s Typically Covered
Homeowners insurance covers more than just your physical house. Here's what a well-rounded policy usually includes:
Dwelling coverage
Covers the structure of your home-walls, roof, flooring & built-ins-if it's damaged by fire, storms, vandalism, or other covered events. This also typically includes attached structures like garages and decks.
Personal property coverage
Protects your belongings inside the home, such as furniture, electronics, appliances, clothing & valuables, against damage or theft. You can customize limits based on the value of what you own.
Liability coverage
Covers legal costs, medical bills & damages if someone is injured on your property or if you accidentally damage someone else's property. This coverage also protects you against lawsuits tied to personal liability situations.
Medical payments to others
Provides coverage for minor medical expenses if a guest is injured on your property, regardless of who is at fault. It helps with smaller incidents that don't require liability claims.
Loss of use coverage
Covers temporary housing, meals & other living expenses if your home becomes unlivable after a covered event. It ensures you're not paying out of pocket while repairs are being made.
Note:
Every home is different. We'll tailor your policy to match your building style, age, location & personal coverage preferences.
Add-Ons That Matter
Every home has unique risks. These optional coverages help fill in the gaps:
Sewer or water backup coverage
Protects against damage caused by backed-up drains, sump pump failures, or sewer line overflow-especially useful for homes with basements or older plumbing systems.
Service line coverage
Covers underground utility lines-like water, gas, or electric-that run from the street to your home. This helps with repair costs if they fail or break, including excavation & restoration.
Scheduled personal property
Offers enhanced protection for high-value items like jewelry, collectibles, bicycles, fine art, or musical instruments that may exceed your basic policy limits.
Why It Matters
A Policy That Works When You Need It Most
Insurance isn't just paperwork-it's your safety net. We help make sure your homeowners insurance actually covers the things you count on. No filler, no surprises, and no trying to sell you coverage you don't need. Just honest advice from local agents who know what homes here really face.
Frequently Asked Questions
How much homeowners insurance do I need?
You need enough coverage to fully rebuild your home if it's destroyed, plus protection for your personal belongings, liability risks, and additional living expenses. We'll help you estimate the right amount based on your home's features and value.
Is homeowners insurance required by law?
While it's not legally required by state law, most mortgage lenders require homeowners insurance to protect their investment. Even without a mortgage, it's highly recommended to avoid major financial loss.
Does homeowners insurance cover natural disasters?
It depends on the type of disaster. Most policies cover events like fire, hail, and windstorms, but floods and earthquakes typically require separate policies. We'll review what applies to your area.
What's the difference between replacement cost & actual cash value?
Replacement cost covers the amount needed to repair or replace your home or belongings without deducting for depreciation. Actual cash value considers depreciation, meaning you may get less after a claim. We'll explain the pros and cons of both.
Can I bundle my homeowners insurance with other policies?
Yes! Bundling home and auto (or other policies) can often save you money. We'll compare bundled and separate options to see which approach works best for you.
Let’s Protect Your Home the Right Way
We make it easy to find homeowners insurance that actually works for you. Whether you're insuring your primary home, condo, or vacation property, we'll guide you through every step and help you make confident, clear decisions.