Comprehensive Homeowners Insurance

Protect your home, belongings, and family with comprehensive homeowners insurance. Get coverage for property damage, liability, and additional living expenses.

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Home Protection

Coverage where it matters most

Dwelling
Structure repairs
Personal Property
Belongings
Liability
Injury & damage
Loss of Use
Temporary living
Ask about bundling home and auto insurance for potential savings.

Homeowners Insurance Overview

Complete protection for your home and everything in it

Dwelling Coverage

Protects the structure of your home from covered perils like fire, windstorm, hail, and vandalism.

Personal Property

Covers your belongings including furniture, electronics, clothing, and other personal items.

Liability Protection

Protects you from lawsuits and claims if someone is injured on your property or you damage others' property.

Benefits of Our Homeowners Insurance

  • Replacement Cost Coverage: Rebuild your home with today's materials and labor costs
  • Additional Living Expenses: Coverage for temporary housing if your home is uninhabitable
  • Personal Liability: Protection against lawsuits and legal expenses
  • Medical Payments: Coverage for minor injuries to guests on your property
  • Identity Theft Protection: Help restore your identity if it's stolen
  • 24/7 Claims Service: Round-the-clock support when you need to file a claim

What's Covered

Comprehensive protection for your home and lifestyle

Property Coverage

  • Fire and smoke damage
  • Windstorm and hail
  • Theft and vandalism
  • Water damage from burst pipes
  • Falling objects
  • Electrical damage

Liability Coverage

  • Bodily injury to others
  • Property damage to others
  • Legal defense costs
  • Medical payments to others
  • Personal injury claims
  • Damage caused by pets

Who Needs Homeowners Insurance?

Essential protection for every homeowner

New Homeowners

First-time buyers protecting their investment

Growing Families

Parents securing their family's home and future

Home Renovators

Homeowners increasing their property value

Mortgage Holders

Required coverage for financed homes

What Homeowners Insurance Typically Covers

Core protection for your home, belongings, and liability

Common Covered Events

Fire, theft, vandalism, wind, and certain water damage are often covered, depending on your policy form.

Additional Living Expenses

If a covered loss makes your home unlivable, this coverage can help with temporary housing and related costs.

Personal Liability

Protection for covered injury or property damage claims involving guests or incidents related to your home.

Deductibles & Optional Enhancements

Fine-tune protection based on your location and property

Choosing a Deductible

Higher deductibles can lower premiums but increase out-of-pocket costs during a claim. We help pick a level that fits your cash reserve.

Endorsements

Depending on risk, you may add coverage for valuable items, extended replacement cost, water backup, or equipment breakdown.

Home Inventory & Valuables

A small checklist now can make claims far easier later

Create a Simple Inventory

List major items, take photos, and keep receipts for electronics, furniture, and appliances when possible.

Schedule High-Value Items

Jewelry, collectibles, fine art, and specialty equipment may need separate coverage to avoid sub-limits.

How Claims Usually Work

What to expect from first call to resolution

Report

Notify your insurer and document the damage with photos and notes.

Assess

An adjuster reviews the loss, coverage, and repair scope.

Repair

Use qualified contractors and keep receipts for any emergency mitigation.

Settle

Payment is issued based on coverage, deductible, and policy terms.

What We Need for a Quote

These details help us price accurately and avoid coverage gaps

Property Basics

Address, year built, square footage, roof details, and recent updates like plumbing or electrical.

Safety Features

Alarm systems, smoke detectors, distance to fire hydrant/station, and mitigation features.

Current Coverage

Declarations page if available to review limits, deductibles, and endorsements.

Frequently Asked Questions

Get answers to common homeowners insurance questions

Your dwelling coverage should be enough to rebuild your home at current construction costs. Personal property coverage is typically 50-70% of dwelling coverage. We recommend at least $300,000 in liability coverage, though $500,000 or $1 million is better for most homeowners.

Standard homeowners insurance doesn't cover floods, earthquakes, normal wear and tear, maintenance issues, or damage from pests. You may need separate policies for flood and earthquake coverage, and regular maintenance is your responsibility.

You can lower your premium by increasing your deductible, bundling with auto insurance, installing security systems, maintaining good credit, staying claims-free, and updating your home's safety features like smoke detectors and deadbolts.

While not legally required if you don't have a mortgage, homeowners insurance is still highly recommended. It protects your investment and provides liability coverage. Without it, you'd pay out of pocket for repairs, rebuilding, or legal claims.

Contact us immediately to report the claim. Document the damage with photos, make temporary repairs to prevent further damage, keep receipts for expenses, and cooperate with the claims adjuster. Don't throw away damaged items until the adjuster has seen them.

Protect Your Home Today

Get comprehensive homeowners insurance coverage and peace of mind for your family.

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