Protect Your Home & Belongings for Less
Safeguard your most valuable asset with comprehensive home coverage. Compare top-rated national insurance carriers side-by-side to find the right policy for your property and budget.
What Homeowners Insurance Protects
Your home is more than just a roof over your head—it is where your memories live and your primary financial investment resides. A well-crafted home policy guards against major financial setbacks caused by storm damage, fire, theft, or liability claims.
From essential dwelling protection to personal belongings and liability coverage, our independent advisors customize solutions to keep your home fully protected without overpaying.
Essential Homeowners Coverages
Explore core protections designed to safeguard your physical property, assets, and lifestyle.
Dwelling Coverage
Pays to rebuild or repair the physical structure of your house—including walls, roof, and built-in appliances—after a covered loss.
Personal Property Protection
Covers furniture, electronics, clothing, and personal items if stolen or damaged by perils like fire, windstorms, or burst pipes.
Personal Liability
Protects your financial assets and pays legal defense costs if someone is injured on your property or you cause accidental damage to others.
Other Structures
Extends physical damage protection to detached property elements like garages, storage sheds, fences, and guest houses.
Loss of Use / Living Expenses
Helps cover temporary hotel bills, rental costs, and dining expenses while your home is undergoing major repairs after a claim.
Guest Medical Payments
Covers minor medical bills if a visitor is accidentally injured on your premises, regardless of who was at fault.
Frequently Asked Questions
How is my home’s replacement cost calculated?
Replacement cost is based on local construction costs, total square footage, materials, and architectural features needed to rebuild your home from the ground up, rather than its real estate market value.
Does standard home insurance cover flood or earthquake damage?
No. Standard homeowners policies explicitly exclude flooding and earthquakes. Separate flood (FEMA or private) and earthquake endorsement policies are required to cover those risks.
How can I reduce my annual homeowners insurance premium?
You can lower rates significantly by bundling auto and home policies together, installing security systems, upgrading your roof, and opting for a higher deductible.
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