Insurance We Offer
Home Insurance
Protect your home and belongings with a policy tailored to your property and budget.
Your home is likely your largest investment. We help you protect it with homeowners coverage built around your property, your belongings, and your budget.
As an independent agency, we compare policies from several top-rated carriers to find the right balance of protection and price — and we're here to review your coverage as your needs change.
What this coverage can include
- Dwelling and other-structures coverage
- Personal property and replacement cost options
- Personal liability and medical payments
- Loss of use / additional living expenses
- Optional endorsements for jewelry, electronics, and more
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Home Insurance — Frequently Asked Questions
What does homeowners insurance cover?
- Homeowners insurance typically covers your dwelling and attached structures, your personal belongings, personal liability if someone is injured on your property, and additional living expenses if you're temporarily displaced by a covered loss. Coverage for high-value items like jewelry can be added by endorsement.
Does home insurance cover flood damage?
- No. Standard homeowners policies exclude flooding caused by rising water. You need a separate flood insurance policy through the National Flood Insurance Program or a private carrier — which we can also help you arrange.
How much homeowners coverage do I need?
- Your dwelling coverage should reflect the cost to rebuild your home, not its market value, and your personal property limit should cover the cost to replace your belongings. We'll walk through a replacement-cost review with you so you're neither underinsured nor overpaying.
Can I bundle home and auto insurance?
- Yes, and most carriers offer a multi-policy discount when you do. Bundling your home and auto with one insurer often lowers your total premium and simplifies billing and claims.