Personal Insurance
Homeowners Insurance, explained.
Protect your home, contents and personal liability under one policy.
Homeowners Insurance
Homeowners insurance covers your dwelling, other structures, personal property, additional living expenses if your home becomes uninhabitable and personal liability if someone is injured on your property.
Inside a Homeowners policy.
Dwelling at full replacement cost
Other structures (fences, sheds, detached garage)
Personal property (with scheduling for jewelry, art)
Additional living expenses (loss of use)
Personal liability
Medical payments to others
Is this for you?
Anyone with a mortgage (lenders require it)
Homeowners with valuable contents inside
Anyone who could be sued for an injury on their property
Families who would need temporary housing after a loss
Owners of additional structures, pools, or detached garages
Plain language answers.
Do I need replacement cost on contents?
Yes, it pays to buy new without depreciation. The premium difference is small; the claim difference is huge.
Is flood covered?
No, flood is excluded. We write standalone flood policies where needed.
Is earthquake covered?
No, earthquake is excluded and requires a standalone earthquake policy.
Coverages that pair well with this one.
Ready for a Homeowners quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.