Homeowners Insurance That Protects What You’ve Built
From unexpected weather to everyday accidents, homeowners insurance helps protect your home, belongings, and finances. We make sure your coverage fits your lifestyle, not just a spreadsheet.
Smart Protection for Where Life Happens
Your home isn’t just a property—it’s where life happens. Our team helps you navigate your options so you can feel confident about what’s covered.
Dwelling Coverage
Covers damage to the physical structure of your home.
- Protects against fire, wind, hail, and more
- Covers attached structures like garages and porches
- Includes rebuild costs up to policy limits
Personal Property
Covers your belongings inside the home or temporarily off-site.
- Furniture, clothing, electronics, and valuables
- Optional riders for jewelry or collectibles
- Replacement cost or actual cash value options
Liability & Medical Payments
Protects you from claims if someone is injured on your property.
- Covers legal fees and medical expenses
- Helps with dog bites, slips, and falls
- Limits tailored to your risk profile
Common Questions About Homeowners Insurance
Is home insurance required?
If you have a mortgage, your lender likely requires it. Even without one, it’s essential to protect your investment.
How much coverage do I need?
Enough to rebuild your home and replace your belongings. We’ll walk you through the numbers.
What does a standard policy not cover?
Floods, earthquakes, and sewer backup usually require separate policies or endorsements.
Can I bundle this with auto or umbrella?
Absolutely. Bundling can offer better rates and easier policy management.