Homeowners insurance
Homeowners insurance for your house and belongings
Your home is a major investment. We help you compare homeowners coverage for the structure, your belongings, and liability if someone is hurt at your property.
- Coverage reviewed for your house and household
- Options from companies we work with
- Help comparing home and auto policies
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare homeowners coverage options from companies we work with. Which companies fit depends on your property, location, and underwriting.
Carrier names and logos identify insurance companies Kaufman Insurance Group may access as an independent agency. They do not imply endorsement by those companies. Availability and eligibility can vary by coverage, location, and insurer. This strip highlights a sample of companies we may be able to quote.
Understand the building blocks
What homeowners insurance can cover
A homeowners policy is built around your property, belongings, and responsibility to others. Exact coverage depends on the policy.
Dwelling
Helps repair or rebuild the house after a covered loss.
Personal property
Helps with furniture, clothes, and other belongings.
Personal liability
Helps if you are responsible for injuries or damage to others.
Other structures
Helps with detached garages, sheds, and fences.
Loss of use
Helps with living expenses if you cannot stay home during a covered repair.
Guest medical payments
Helps with limited medical costs if a guest is hurt on your property.
A policy review can help
Who homeowners insurance is for
Homeowners coverage can be a fit for people who want a clear policy review, people bundling home with auto, and anyone checking coverage before renewal.
A simple review process
How to get a homeowners quote
Share home details
Tell us about the property, your belongings, and current coverage if you have it.
We compare options
An agent reviews companies we work with for your home and situation.
Review the policy
Walk through limits, deductibles, exclusions, and available options before you decide.
Related coverage
Keep your personal coverage connected
Auto insurance
Review coverage for the vehicles in your household.
Personal lines
See other personal coverage options.
Business insurance
Keep business and personal coverage conversations separate and clear.
Get a quote
Tell us what you want to protect at home.
Home insurance questions
Frequently asked questions
How is replacement cost different from market value?
Market value is what a property might sell for. Replacement cost is the estimated cost to repair or rebuild the structure with similar materials, subject to the policy terms and limits.
Does a standard homeowners policy cover flood or earthquake?
Flood and earthquake damage generally require separate policies or endorsements. Ask an agent to review your property and available options.
What can affect a homeowners premium?
Property details, location, coverage limits, deductibles, claims history, safety features, and other underwriting information can affect the premium. Bundling may be an option, but availability varies.
What do you need for a homeowners quote?
Helpful details include the property address, year and type of construction, roof information, safety features, mortgage information, current coverage if you have it, and the protection you want to discuss.
Ready to review your homeowners coverage?
Start a quote online or call Kaufman Insurance Group to discuss your home.