Home Insurance
Your home holds everything. Let's protect it properly.
From first-time buyers to long-time owners and landlords, we help you compare homeowners coverage that rebuilds what matters — not just what's listed on paper.
From first-time buyers to long-time owners and landlords, we help you compare homeowners coverage that rebuilds what matters — not just what's listed on paper.
Building costs have climbed sharply in recent years. Lumber, labor and materials cost more than they did when many policies were first written, which means a dwelling limit that looked generous five years ago may fall short today. Our agents help you think about true replacement cost — what it would actually take to rebuild your home from the ground up.
It's also worth knowing what a standard policy usually leaves out. Floods and earthquakes typically need separate coverage. Sewer backup, expensive jewelry and home-based business equipment often require add-ons. We walk you through these gaps before you discover them the hard way.
Whether you own a single-family home, condo, townhouse or rental property, we'll help you compare options built around your property and your risks.
Every policy is a bundle of individual protections. Here's what each piece does, in plain language.
Repairs or rebuilds the structure of your home after a covered loss.
Furniture, electronics, clothing and belongings — at home or while traveling.
Protects you if a guest is injured or you accidentally damage someone's property.
Pays for hotel and living costs if your home becomes unlivable during repairs.
Fences, detached garages, sheds and guest houses on your property.
Optional coverage for sewer backup, valuables, and equipment breakdown.
A simplified look at common coverage levels. Your agent will tailor this to your situation.
| Policy Type | Designed For | Coverage Style |
|---|---|---|
| HO-3 | Most single-family homeowners | Open-peril dwelling, named-peril belongings |
| HO-5 | Newer or higher-value homes | Open-peril for dwelling and belongings |
| HO-6 | Condo owners | Interior, belongings and liability |
| DP-3 | Landlords & rental owners | Dwelling + liability for rental properties |
Not by law, but nearly every mortgage lender requires it until the loan is paid off.
Replacement cost pays to replace items new. Actual cash value subtracts depreciation, so payouts are lower.
Standard policies generally do not. Flood coverage is usually purchased separately.
Enough to fully rebuild your home at today's construction costs — not its market value or purchase price.
One quick call. A licensed agent compares options for you while you listen.