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Homeowners Policy

Renters & Condo

Secure your biggest investment today!

Whether you are buying your first house or protecting a lifelong family home, our comprehensive policies ensure you are ready for the unexpected. We partner with top-rated carriers to bring you absolute peace of mind at a competitive rate.

Standard Homeowners (HO-3)

The most common policy, offering broad, reliable protection for your home's structure and your personal belongings against a wide range of natural and accidental disasters.

High-Value Home & Property

Enhanced limits and specialized coverage options designed for luxury homes, fine art, jewelry, and extensive assets that require tailored underwriting and premium protection.

Need to protect your sanctuary?

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Frequently Asked Questions

Home insurance helps protect your home and belongings from certain risks. A standard policy may cover damage to the home (fire, wind, hail, etc.), personal belongings, liability for injuries to others on your property, and additional living expenses if your home becomes uninhabitable due to a covered loss.
Home insurance is generally not required by law. However, if you have a mortgage, your lender will usually require it. If you own your home outright, it is optional but strongly recommended.
Dwelling coverage protects the physical structure of your home. Personal property coverage protects your belongings such as furniture, clothing, electronics, and appliances. Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else's property.
A deductible is the amount you must pay before your insurance company pays a covered claim. Generally, a higher deductible means a lower premium, while a lower deductible means a higher premium. For example, if your deductible is $1,000 and the repair cost is $10,000, you pay $1,000 and your insurance pays $9,000.
Standard home insurance usually does not cover flood damage, earthquake damage, normal wear and tear, pest infestations, neglect or lack of maintenance, or intentional damage.
Flood damage is usually not covered and requires separate flood insurance. Hurricane damage is often partially covered depending on your policy and location. Earthquake damage is usually not covered under standard home insurance and typically requires separate earthquake coverage.
You should have enough coverage to rebuild your home if it is destroyed and to replace your belongings. Consider home rebuilding costs, personal property value, liability protection needs, and local construction costs.
Insurance companies may consider your home's value, location, age, construction materials, claims history, coverage limits, deductible amount, and credit history where allowed.
If damage occurs, protect the property from further damage, document the damage with photos or videos, contact your insurance company, complete the claim forms, cooperate with the insurance adjuster, and keep receipts for emergency repairs.
You may be able to lower costs by increasing your deductible, bundling home and auto insurance, installing security systems, adding smoke detectors, improving home safety, maintaining good credit where applicable, and shopping around for quotes.
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