Our Services
Protects the physical structure of your home—including the roof, foundation, and walls—from covered perils like fire, windstorms, and hail.
Safeguards your possessions inside the home, such as furniture, electronics, and clothing, even if they are damaged or stolen while you are traveling.
Provides financial defense and covers legal fees if someone is injured on your property and you are found legally responsible for their medical bills.
International students can apply & purchase the Student Health Plans which are required by colleges, universities, or other institutions of higher. Coverage for international students studying in the U.S. is available to students on an F1 visa and meets J1 visa requirements.
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.
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.
Enhanced limits and specialized coverage options designed for luxury homes, fine art, jewelry, and extensive assets that require tailored underwriting and premium protection.
Dwelling protection covers the physical structure of your home—including the roof, foundation, walls, and any attached structures like a garage. It pays to repair or rebuild your home if it is damaged by covered hazards like fire, windstorms, lightning, or hail.
Yes. Standard personal belongings coverage safeguards your possessions (such as electronics, furniture, and clothing) from theft or covered damage both inside your house and while you are traveling or on vacation.
Personal liability provides a financial safety net if a guest is accidentally injured on your property and you are found legally responsible. It helps cover their medical bills as well as your legal defense fees if you face a lawsuit.
A standard homeowners policy covers both the physical structure and the contents inside. Condo insurance typically covers everything from the "walls-in" (your interior structure and belongings), while renters insurance protects only your personal belongings and liability, as the landlord carries insurance for the physical building.
No, standard homeowners insurance policies do not cover damage caused by earthquakes or flooding. If your home is located in an area prone to these natural events, you will need to purchase separate specialized policies or add-ons to be fully protected.
No. Our independent agency services are completely free to use. We shop multiple top-rated insurance providers to find you the best rates and comprehensive home coverage packages at no additional cost to you.
Home insurance helps protect your home and belongings from certain risks. A standard policy may cover:
Additional living expenses if your home becomes uninhabitable due to a covered loss
Home insurance is generally not required by law.
However:
Protects the physical structure of your home.
Protects your belongings such as furniture, clothing, electronics, and appliances.
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:
Example
If your deductible is $1,000 and the repair cost is $10,000:
Standard home insurance usually does not cover:
Usually NOT covered. Separate flood insurance is often needed.
Often partially covered, depending on your policy and location.
Usually NOT covered under standard home insurance. Separate earthquake coverage may be required.
You should have enough coverage to rebuild your home if it is destroyed and to replace your belongings.
Consider:
Insurance companies may consider:
If damage occurs:
You may be able to lower costs by:
