Homeowners INSURANCE
Protect the place you call home.
Your home is more than a number on a real estate listing. Insure it like it matters.
WHO IT’S FOR
Built around your life.
Owners of primary homes who want to protect their house, belongings and personal liability.
What it typically covers
- Repair or rebuilding after a covered loss
- Personal belongings, subject to policy limits
- Personal liability for covered claims
- Additional living expenses after a covered loss
Coverage depends on the carrier, selected options, limits, deductibles and policy terms. We’ll walk through the details with you.
THE DETAILS MATTER
Common gaps people miss.
01 / WORTH A CONVERSATION
Flood and water backup are not the same thing — both need review.
02 / WORTH A CONVERSATION
Replacement cost is different from market value.
03 / WORTH A CONVERSATION
Jewelry, firearms and collectibles can have special limits.
STRAIGHT ANSWERS
A few things you might be wondering.
Is flooding covered?
Standard homeowners coverage usually excludes rising-water floods. A separate flood policy may be needed.
What if my roof is older?
Roof age can affect eligibility, deductibles and how a claim is settled. We will review the terms with you.
Are detached buildings included?
Often, with limits and use restrictions. Tell us about sheds, barns, workshops and any business activity.
Let’s talk homeowners.
Tell us what matters. We’ll help you find the right fit.