More Than Just a Roof Over Your Head
Comprehensive protection for your most valuable asset, designed to weather any storm.
Core Home Insurance Coverages
Dwelling Coverage
Pays to repair or rebuild the physical structure of your home if it's damaged by a covered loss such as fire, wind, hail, or vandalism.
Other Structures Coverage
Covers detached structures on your property, including garages, sheds, fences, and gazebos.
Personal Property Coverage
Protects your personal belongings — such as furniture, electronics, clothing, and appliances — if they're damaged or stolen, even while away from home.
Loss of Use / Additional Living Expenses
Pays for temporary housing, meals, and other living expenses if your home becomes uninhabitable due to a covered loss.
Personal Liability Coverage
Protects you if someone is injured on your property or if you accidentally cause damage to someone else's property. Includes legal defense costs.
Medical Payments to Others
Covers minor medical expenses for guests injured on your property, regardless of fault.
Recommended Add-On Coverages
Replacement Cost Coverage
Ensures your home and belongings are repaired or replaced at today's cost, without depreciation, helping you fully recover after a covered loss.
Flood & Earthquake Coverage
Flood and earthquake damage are typically excluded from standard homeowners policies and require separate coverage. Availability and requirements may vary by location.
Extended or Guaranteed Dwelling Coverage
Provides extra protection if rebuilding costs exceed your dwelling limit due to inflation or increased construction costs.
Scheduled Personal Property
Offers higher coverage limits for valuable items such as jewelry, watches, fine art, collectibles, and musical instruments.
Water Backup & Sump Pump Coverage
Covers damage caused by water backing up through sewers or drains — an exclusion in most standard policies.
Equipment Breakdown Coverage
Protects major home systems and appliances — HVAC, water heaters, electrical panels — from mechanical or electrical failure.
Identity Theft Protection
Helps cover the costs of restoring your identity, including legal fees and lost wages.
The "Attractive Nuisance"
Certain features such as swimming pools, trampolines, or play structures can increase liability exposure. Additional liability limits or umbrella coverage may be recommended to fully protect you.
Money-Saving Discounts
- Multi-Policy DiscountBundle your home and auto insurance to receive significant savings.
- Protective Device DiscountsSavings for homes with security systems, smoke detectors, fire alarms, and deadbolts.
- New Home DiscountLower premiums for newly built or recently renovated homes.
- Claim-Free DiscountRewards homeowners with no recent claims history.
- Pay-In-Full DiscountPay your annual premium in one payment to avoid installment fees and qualify for additional savings.