Homeowners Insurance
Reliable Coverage for Your Home & Everything in It
Your home is more than just a structure—it’s where life happens.
Homeowners insurance helps protect your house, personal belongings, and liability from unexpected events like fire, theft, or weather damage. Whether you’re buying your first home or updating an existing policy, we’ll help you find
the right protection at the right price.
It covers the structure of your home, personal property & liability claims like injuries on your property.
Most mortgage lenders require homeowners insurance before funding a loan—it’s essential from day one.
Different policies offer varying levels of protection, so it’s important to match the plan to your needs.
Bundling home & auto insurance can lead to better pricing and streamlined claims.
What Homeowners Insurance Covers
Standard homeowners insurance typically includes dwelling coverage, personal property protection, liability insurance & loss of use if your home becomes uninhabitable. It protects against common perils like fire, storms, theft, and vandalism—helping you recover faster.
It also includes liability coverage, which helps cover legal costs if someone is injured on your property. Whether it’s a dog bite or a guest slipping on ice, this coverage offers vital financial protection.
Learn About Personal Liability Protection →
Homeowners policies can be tailored with extras like flood insurance, high-value item riders, or earthquake protection to match your risks and lifestyle.
Explore Flood & Earthquake Coverage →
20
in 20 insured homes files a claim each year
Source: Insurance Information Institute
$13,962
The average home insurance claim payout is about $13,962
Source: U.S. Small Business Administration
95%
Over 95% of U.S. homeowners have homeowners insurance
Source: U.S. Census Bureau
Frequently Asked Questions
Your Questions About Homeowners Insurance
Here’s what you need to know to protect your home with confidence:
What does homeowners insurance cover?
Most policies include dwelling coverage (structure), personal property protection, liability, and loss of use. You’re covered against damage from fire, wind, theft, and more, plus liability if someone is injured on your property. You can also add coverage for things like jewelry or home businesses.
What’s not covered by a standard policy?
Standard homeowners insurance doesn’t cover floods, earthquakes, sinkholes, or normal wear and tear. If you live in a high-risk area, we can help you add specialized policies to ensure full protection.
View Flood Insurance Options →
How much homeowners insurance do I need?
You’ll want enough coverage to rebuild your home from the ground up, plus replace personal belongings. We’ll work with you to estimate your home’s replacement value and recommend the right limits based on your lifestyle and assets.
Get a Custom Quote →
Can I bundle home & auto insurance?
Yes—and it’s a smart move. Bundling policies can lead to lower premiums, fewer billing headaches & streamlined claims. Ask us how bundling your auto and home insurance could save you money.
Explore Auto Insurance Coverage → full coverage.
What affects the cost of homeowners insurance?
Premiums are based on your home’s age, location, construction materials, claims history & coverage levels. We’ll help you compare carriers & find the best rate for your risk profile.
