Home Insurance

Your home is one of your biggest investments. We’re here to help you protect it with real answers, simple explanations, and no insurance double-speak.

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Covers your home's structure—walls, roof, foundation, windows—if damaged by a covered event like fire, wind, or lightning.

💡 Example: A tree crashes through your roof during a storm. Dwelling coverage pays for repairs.

Covers things like garages, fences, sheds, and driveways that aren’t attached to your main house.

Protects your belongings—furniture, electronics, clothes, etc.—even if they’re stolen or damaged away from home.

💡 Tip: Many policies limit high-value items like jewelry or collectibles. You may need extra coverage for those.

Covers temporary housing, meals, and other expenses if your home is unlivable after a covered loss.

Covers you if someone is injured on your property and sues, or if you accidentally cause damage to someone else’s property.

Pays for minor injuries that happen on your property—whether or not you're at fault. (Usually capped at $1,000–$5,000.)

Standard home insurance doesn’t cover flood damage. You’ll need a separate flood insurance policy (either FEMA-backed or private).

Not covered unless you specifically add it. If you live in a high-risk zone, consider a standalone policy.

Insurance won’t pay for things like a leaking roof from age or lack of maintenance. That’s considered the homeowner’s responsibility.

Often excluded—but you can add water backup coverage for a few extra dollars a month.

Items like jewelry, art, or firearms may only be partially covered unless you “schedule” them with extra protection.

Download this guide or get in touch with our insurance specialists.