Homeowners Insurance
What does homeowners insurance cover?
A standard homeowners insurance policy protects you against many of life’s most common and costly risks—helping you rebuild, replace, or recover when the unexpected happens.
Coverage typically includes:
Your Home & Other Structures — Covers your main dwelling plus detached garages, fences, or sheds.
Personal Property — Protects 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.
Common covered perils
Most homeowners policies protect against damage caused by:
Fire or lightning
Windstorms or hail
Smoke
Explosions
Theft or vandalism
Falling objects
Damage from vehicles or aircraft
Coverage varies by policy and carrier—we’ll help you understand exactly what’s included.
What’s not typically covered
While homeowners insurance provides broad protection, certain events usually require separate coverage.
Common exclusions include:
Earthquakes & Floods — Typically require separate policies.
Wear and Tear or Maintenance Issues — Routine upkeep or gradual deterioration isn’t covered.
Pests & Mold — Often excluded unless directly caused by a covered peril.
Optional add-ons for added protection
Customize your policy with endorsements that align with your home, lifestyle, and risk tolerance.
Popular options include:
Extended Replacement Cost — Helps cover rebuild costs that exceed your dwelling limit due to inflation or rising construction prices.
Scheduled Personal Property — Provides higher limits 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 upgrades required to meet current building codes after a covered loss.
We help identify smart add-ons to close gaps—so you’re protected when it matters most.
How much homeowners coverage do I need?
Choosing the right limits isn’t just about your home’s purchase price—it’s about what it would cost to rebuild and fully protect your assets today.
When determining coverage, we look at:
The cost to rebuild your home (not market value)
Your personal property value
Your liability exposure (guests, pools, pets, rentals, etc.)
Local construction costs and inflation trends
Whether extended replacement cost is appropriate
A properly structured policy avoids two common mistakes: over-insuring and paying too much, or under-insuring and facing gaps after a loss.
Our role is to help you strike the right balance.
Get a homeowners policy that reflects your home, your risks, and your priorities.