Coverage Overview
Our home insurance policies provide comprehensive protection for your property, belongings, and liability. Here's what's typically included:
Dwelling Coverage
Protects the structure of your home, including walls, roof, foundation, and built-in appliances. This coverage helps repair or rebuild your home if it's damaged by covered perils like fire, wind, or hail.
Personal Property
Covers your belongings inside the home—furniture, electronics, clothing, and more. Most policies cover personal property up to a percentage of your dwelling coverage amount.
Liability Protection
Provides financial protection if someone is injured on your property and you're found legally responsible. This coverage can help pay for medical expenses and legal fees.
Loss of Use
If your home becomes uninhabitable due to a covered loss, this coverage helps pay for additional living expenses like hotel stays, meals, and other costs while your home is being repaired.
Medical Payments
Covers medical expenses for guests who are injured on your property, regardless of who's at fault. This is typically a smaller amount that helps cover immediate medical costs.
Optional Coverages
- Jewelry & Valuables: Additional coverage for high-value items like jewelry, art, or collectibles
- Water Backup: Protection against damage from sewer or drain backups
- Foundation Coverage: Specialized coverage for foundation issues
- Earthquake: Coverage for earthquake damage (varies by location)
- Flood Insurance: Separate policy for flood protection (often required in flood zones)
Why Choose Us
- Tailored Policies: We customize coverage based on your property type, location, and risk factors to ensure you have the right protection without overpaying.
- Clear Explanations: We take time to explain every aspect of your policy so you understand exactly what's covered and what's not.
- Compare Multiple Carriers: We work with several insurance companies to find you the best rates and coverage options.
- Ongoing Support: We're here to help when you need to file a claim, update your policy, or have questions about your coverage.
Required Information
To get an accurate home insurance quote, we'll need the following information:
- Property Address: The full address of the property you want to insure
- Current Insurance: Details about your existing policy (if applicable)
- Year Built: When the home was constructed
- Square Footage: Total living area of the home
- Roof Age: When the roof was last replaced or updated
- Claims History: Any previous insurance claims on the property
- Property Type: Single-family, condo, townhouse, etc.
- Safety Features: Security systems, smoke detectors, fire alarms