Homeowners Insurance

Home insurance covers the hazards that most homeowners face, including personal liability exposures, which protect you from many situations that could lead to lawsuits from others.

Your Home Is Important, Make Sure It’s Protected

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and find you the right coverage.

You have to ask yourself…

You have to ask yourself…

Home insurance covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability 
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

What a homeowners policy covers:


Dwelling

Provides coverage for damage to the physical dwelling as well as other structures that are attached to the home.


Personal Property

Covers damage to or loss of personal belongings that are kept within your premises; limited coverage applies for certain items such as jewelry, watches, furs, etc.


Other Structures

Coverage for damage to other structures on the property that are detached from the dwelling (ex: pool, shed, fence, etc.).


Additional Living Expenses

Covers necessary living expenses incurred when the dwelling cannot be occupied due to a covered loss.


Personal Liability

Protects you against claims arising from accidents to others on a property you own or rent.


Medical Expense

Coverage for medical expenses, limited to a specific amount per person and per accident, for injuries that occur on your premises to someone other than the insured.

Little-known facts about Homeowners Insurance

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include Flood Insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
Who needs to insure their homes?

Who needs to insure their homes?

  • Frame houses
  • CBS homes (Concrete Block Structure)
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Homes you rent to others
  • Seasonal resident homes
Why We're Different

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.