Home Insurance
Your home is likely your biggest investment. We help you protect it with coverage that actually reflects its value — comparing options across carriers to find the right fit at a price that makes sense.
What Home Insurance Covers
A standard homeowners policy has several parts. We walk you through each one to make sure you understand exactly what you're covered for.
Dwelling Coverage
Covers the structure of your home — walls, roof, floors, built-in appliances — if it's damaged by a covered event like fire, wind, or hail.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more — if they're stolen or damaged. We help you make sure your limits actually cover what you own.
Liability Protection
Covers you if someone is injured on your property or you accidentally damage someone else's property. Also covers legal costs if you're sued.
Additional Living Expenses
Pays for temporary housing and living costs if your home becomes uninhabitable after a covered loss — so a disaster doesn't disrupt your entire life.
Other Structures
Covers detached structures on your property — a garage, fence, shed, or guest house — typically at 10% of your dwelling coverage.
Medical Payments
Covers minor medical expenses for guests injured on your property, regardless of fault. A small but valuable piece of a complete home policy.
Common Gaps We Watch For
Many homeowners don't realize their policy has gaps until they file a claim. Here are things we always check when reviewing a home insurance policy:
Insured for market value, not replacement cost
These can be very different — especially after inflation.
Personal property limits too low
Most people underestimate what their belongings are worth.
No flood coverage
Standard policies don't cover flooding — a separate policy is needed.
No coverage for valuables
Jewelry, art, and collectibles often need a separate rider.
Bundle & Save
Combining your home and auto insurance with the same carrier often unlocks a meaningful discount — sometimes 10–25% off both policies. We compare bundled vs. separate options to show you exactly where you save.
We also cover:
- Renters insurance
- Condo insurance
- Landlord / rental property coverage
- Mobile and manufactured homes
- Vacation or second homes
Get a Free Home Insurance Quote
We'll compare options across multiple carriers and make sure your home is properly covered.