Homeowners Insurance That Covers More Than Just the House
From the structure itself to what's inside it, we'll help you build a policy around your actual home.
HOMEOWNERS INSURANCE COVERAGE
Dwelling
Coverage
Covers the physical structure of your home if it's damaged by a covered event like fire, wind, or a storm.
Liability
Coverage
Protects you financially if someone is injured on your property and you're found responsible.
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Other Structures Coverage
Covers structures on your property that aren't attached to the house, like a detached garage, shed or fence.
Valuables & Jewelry Coverage
Standard homeowners policies cap how much they'll pay out for high-value items like jewelry, art, or collectibles. If you own something worth more than that cap, we can add a scheduled endorsement so it's fully covered.
Personal Property Coverage
Covers your belongings inside the home such as furniture, electronics, or clothing if they're damaged, destroyed or stolen.
Loss of Use
Coverage
Covers additional living expenses (like a hotel) if your home becomes temporarily unlivable due to a covered claim.
Manufactured & Mobile Home Coverage
If your home is manufactured or mobile, coverage works a little differently than a standard site-built home.
Coverage options and requirements vary by state and by home type. Our team can help review coverage, explain your options, identify potential gaps, explore available discounts, and assist with policy changes.