Homeowners Insurance

A standard homeowners policy protects you against a range of common risks, helping you rebuild, replace, or recover when life doesn’t go as planned.

Coverage typically includes:

Your Home & Other Structures — Covers your main dwelling, plus detached garages, fences, or sheds.
Personal Property — Protects your belongings like furniture, electronics, and clothing from covered losses.
Loss of Use — Helps pay for temporary living expenses if your home becomes uninhabitable after a covered claim.
Liability Coverage — Covers injuries or property damage you’re legally responsible for, such as accidents on your property.

Most homeowners insurance policies protect against damage caused by:

(Each policy may vary—our team helps you review what’s included and what’s not.)

Customize your policy with endorsements that align with your property, lifestyle, and risk tolerance.

Consider adding:

Extended Replacement Cost — Covers rebuild costs that exceed your dwelling limit due to inflation or rising construction prices.
Scheduled Personal Property — Adds higher coverage for valuables like jewelry, art, or collectibles.
Water Backup Coverage — Covers damage from backed-up drains or sump pumps.
Ordinance or Law Coverage — Pays for rebuilding to current building codes after a covered loss.

Tip: We’ll help you choose smart add-ons to fill any gaps—so you’re fully covered when it matters most.

While homeowners insurance provides broad protection, some events require separate or optional coverage.

Common exclusions include:

Earthquakes & Floods — Typically require separate policies.
Wear and Tear or Maintenance Issues — Routine upkeep or deterioration isn’t covered.
Pests & Mold — Infestations and mold are often excluded unless caused by a covered peril.

Ready to protect your home?
Contact us for a quote or coverage review—we’re here to help you find the right protection for your biggest investment.