Homeowners Insurance
Homeowners Insurance Basics
Homeowners insurance helps protect homeowners against financial losses that result from damage or destruction to their home and personal belongings. It also provides personal liability coverage that protects from certain lawsuits against you and resident family members, medical payments coverage that helps pay for minor injuries to guests (without regard to fault), and loss of use coverage, which pays the cost of alternative living arrangements after a covered loss.
The cost, known as the premium, can vary greatly depending on the coverage you choose, your loss history, details of the property being covered, and other factors. We can help keep the process simple by explaining the coverage, generating quotes from multiple insurance companies, and offering our advice. Contact us to get started.
Homeowners Insurance Coverage
Personal Liability
Covers bodily injury and property damage that you or a resident family member cause to another party.
Dwelling
Covers damage to your home and attached structures caused by a variety of perils.
Personal Property
Covers damage to or theft of your personal property, like electronics, furniture, clothing, and other items.
Other Structures
Covers damage to structures on your property that are not attached to your primary dwelling.
Loss of Use
Covers the cost of a hotel stay if your home becomes unlivable after a covered loss.
Jewelry & Collectibles
Covers theft and disappearance of jewelry, guns, and other classes of high-risk property that have a lower limit of coverage on a standard policy.
Water Backup
Covers damage that results from a backed up sewer or drain.
And Others
While the above are common, there are many additional coverage options available.
Properties We Cover
Discounts
Homeowners Insurance FAQ
The amount of dwelling coverage needed will be determined by a replacement cost estimator. This estimate can vary some from one insurance company to the next. Keep in mind, the replacement cost is not necessarily the same as the home value or sale price.
While additional coverage can often be purchased, the following risks typically aren’t covered in a standard home policy:
– Water damage from flooding, seepage, or any water that enters from the exterior of the home.
– Earth movement, such as earthquakes and landslides.
– Wear and tear, rot, or poor maintenance.
– Intentional acts.
There are many additional perils that may not be covered. It’s important to discuss your needs with an insurance professional.
Get Quotes Today
It’s quick and easy to get started