Home Insurance Coverage
Protect your home and belongings with comprehensive coverage for dwelling, personal property, and liability.
What's Covered
Comprehensive protection for your home, belongings, and financial security
Dwelling Coverage
Protection for the structure of your home including walls, roof, foundation, and attached structures.
Personal Property
Coverage for your belongings including furniture, electronics, clothing, and other personal items.
Liability Protection
Legal and medical expense coverage if someone is injured on your property or you damage their property.
Additional Living Expenses
Coverage for temporary housing, meals, and other expenses if your home becomes uninhabitable.
Natural Disasters
Protection against fire, lightning, windstorms, hail, and other covered natural disasters.
Medical Payments
Coverage for medical expenses if a guest is injured on your property, regardless of fault.
Choose Your Plan
Select the home insurance plan that best protects your property and assets
Basic Home
Essential protection for your home and belongings
- Dwelling coverage $250K
- $2,500 deductible
- Personal property $125K
- Liability coverage $100K
Standard Home
Complete protection with replacement cost coverage
- Dwelling coverage $500K
- $1,000 deductible
- Personal property $250K
- Liability coverage $300K
- Loss of use coverage
- 24/7 emergency service
Premium Home
Maximum protection with extended coverage and perks
- Dwelling coverage $1M
- $500 deductible
- Personal property $500K
- Liability coverage $500K
- Jewelry & valuables rider
- Water backup coverage
Home Insurance FAQs
What does dwelling coverage include?
Dwelling coverage protects the structure of your home including the walls, roof, foundation, attached garage, and built-in appliances. It also covers attached structures like decks and porches.
Are natural disasters covered?
Most natural disasters like fire, lightning, windstorms, and hail are covered. However, floods and earthquakes typically require separate policies. Check your policy details or contact us for specific coverage information.
How much home insurance coverage do I need?
Your coverage should be enough to rebuild your home at current construction costs. We recommend replacement cost coverage rather than actual cash value. Consider additional coverage for valuables, jewelry, and expensive items.
What is replacement cost vs. actual cash value?
Replacement cost pays to replace your items with new ones of similar kind and quality. Actual cash value factors in depreciation and pays the current value of the item. Replacement cost coverage is recommended for better protection.
Protect Your Home Today
Get a personalized home insurance quote and secure your most valuable asset.