Comprehensive Homeowners Insurance for Peace of Mind

Protect your home, personal belongings, and loved ones with a comprehensive Homeowners Insurance Policy. From structural damage and theft to liability coverage, Homeowners Insurance is designed to offer financial security and peace of mind.


Homeowners Insurance

What Does Homeowners Insurance Cover?

  • Dwelling Coverage: Protects the physical structure of your home, including walls, roof, and foundation, against perils like fire, wind, and vandalism. Standard coverage limits can range from $100,000 to the full replacement cost of the home.
  • Other Structures: Covers detached structures on your property, such as garages, sheds, and fences. Coverage typically equals 10% of the dwelling limit, which can be customized as needed.
  • Personal Property Coverage: Protects personal belongings within the home, including furniture, electronics, and clothing, from covered perils. Coverage limits can be customized and often range between 50%-70% of the dwelling coverage.
  • Loss of Use: Covers additional living expenses if you must temporarily relocate while repairs are made. This includes hotel stays, meals, and other necessary expenses, with limits usually around 20% of the dwelling coverage.
  • Personal Liability Coverage: Protects you from legal liability if someone is injured on your property. Coverage limits commonly start at $100,000 but can go up to $500,000 or higher.
  • Medical Payments to Others: Covers medical expenses if a guest is injured on your property, regardless of fault. Coverage typically ranges between $1,000 to $5,000.
  • Fire and Smoke Damage: Provides specialized coverage to repair or rebuild in case of fire damage. See our Fire Insurance Policy page for more details.
  • Hail Damage: Covers repairs for hail-related roof, siding, and window damage. Learn more about Hail Insurance to enhance your coverage.
  • Flood Damage: Standard policies do not cover floods. For flood protection, consider adding Flood Insurance to your policy.

Benefits of Homeowners Insurance

  • Provides financial protection for unexpected incidents, such as fire, theft, and liability claims.
  • Offers peace of mind, knowing that your home and personal belongings are covered.
  • Ensures compliance with mortgage lender requirements for property insurance.
  • Flexible coverage options, including add-ons for specialized risks like floods, hail, and fire.

Coverage Limits for Homeowners Insurance

Coverage limits in a Homeowners Insurance policy can vary based on your needs and the value of your property. Common limits include:

  • Dwelling Coverage: Replacement cost or actual cash value up to 100% of the home’s value.
  • Personal Property: Often 50%-70% of dwelling coverage. Valuable items like jewelry or artwork may require additional riders for full protection.
  • Liability Coverage: Standard limits start at $100,000 but can go up to $500,000 or even higher with an Umbrella policy.
  • Loss of Use: Typically capped at 20%-30% of dwelling coverage, covering additional living expenses during repairs.

Get a Quote: What Information is Needed?

Our agents would love to help you find the right Homeowners Insurance policy for your home. For a customized quote, please provide:

  • Property Details: Address, construction type, age of the home, and estimated square footage.
  • Home Value: The replacement cost or market value of your home to determine the appropriate dwelling coverage.
  • Contents Value: An estimate of your personal belongings and any high-value items requiring additional coverage.
  • Safety Features: Information on fire alarms, security systems, or other safety measures that could reduce premiums.

Request Homeowners Insurance Quote


Frequently Asked Questions

  • Does Homeowners Insurance cover natural disasters? Many natural disasters, like hail or fire, are covered. However, floods and earthquakes are typically excluded and require separate policies.
  • What is Replacement Cost versus Actual Cash Value? Replacement Cost covers rebuilding at current prices, while Actual Cash Value factors in depreciation.
  • Are my valuables covered under Homeowners Insurance? Basic coverage applies, but high-value items may need additional riders to ensure full protection.
  • What if I need extra liability coverage? Additional liability protection can be added with an Umbrella Policy for greater peace of mind.

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