Comprehensive Homeowners Insurance

Protect your home, belongings, and family with comprehensive homeowners insurance. Get coverage for property damage, liability, and additional living expenses.

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Policy Comparison

Compare HO-3, HO-5, and HO-6 coverage types

Homeowners policy comparison
Feature HO-3 HO-5 HO-6 (Condo)
Dwelling Coverage Open perils Open perils Walls-in
Personal Property Named perils Open perils Named perils
Replacement Cost Optional Included Optional
Ideal For Most single-family homes High-value belongings Condo owners
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Homeowners Insurance Overview

Complete protection for your home and everything in it

Dwelling Coverage

Protects the structure of your home from covered perils like fire, windstorm, hail, and vandalism.

Personal Property

Covers your belongings including furniture, electronics, clothing, and other personal items.

Liability Protection

Protects you from lawsuits and claims if someone is injured on your property or you damage others' property.

Benefits of Our Homeowners Insurance

  • Replacement Cost Coverage: Rebuild your home with today's materials and labor costs
  • Additional Living Expenses: Coverage for temporary housing if your home is uninhabitable
  • Personal Liability: Protection against lawsuits and legal expenses
  • Medical Payments: Coverage for minor injuries to guests on your property
  • Identity Theft Protection: Help restore your identity if it's stolen
  • 24/7 Claims Service: Round-the-clock support when you need to file a claim

What's Covered

Comprehensive protection for your home and lifestyle

Property Coverage

  • Fire and smoke damage
  • Windstorm and hail
  • Theft and vandalism
  • Water damage from burst pipes
  • Falling objects
  • Electrical damage

Liability Coverage

  • Bodily injury to others
  • Property damage to others
  • Legal defense costs
  • Medical payments to others
  • Personal injury claims
  • Damage caused by pets

Popular Add-Ons & Endorsements

Customize your policy for higher-value items and local risks

Scheduled Personal Property

Extra coverage for jewelry, art, collectibles, and high-value electronics.

Water Backup Coverage

Helps with damage caused by sump pump failure or backed-up drains.

Umbrella Liability

Adds additional liability limits beyond your homeowners policy.

Extended Replacement Cost

Additional dwelling protection if rebuilding costs increase unexpectedly.

Wildfire Preparedness

Review options for defensible space, rebuilding, and smoke-related impacts.

Identity Theft Assistance

Dedicated support and reimbursements for recovery-related expenses.

Claim-Ready Checklist

Small steps that make a big difference during a claim

Before Anything Happens

  • Create a quick home inventory
  • Store receipts and appraisals for valuables
  • Save photos or a walkthrough video
  • Confirm dwelling limits match rebuild estimates
  • Review deductibles for wind, fire, or named perils

Right After A Loss

  • Make safe temporary repairs to prevent more damage
  • Document damage with photos and notes
  • Keep receipts for additional living expenses
  • Hold damaged items when possible for inspection
  • Contact us to start the claim and coordinate next steps

Who Needs Homeowners Insurance?

Essential protection for every homeowner

New Homeowners

First-time buyers protecting their investment

Growing Families

Parents securing their family's home and future

Home Renovators

Homeowners increasing their property value

Mortgage Holders

Required coverage for financed homes

Frequently Asked Questions

Get answers to common homeowners insurance questions

Your dwelling coverage should be enough to rebuild your home at current construction costs. Personal property coverage is typically 50-70% of dwelling coverage. We recommend at least $300,000 in liability coverage, though $500,000 or $1 million is better for most homeowners.

Standard homeowners insurance doesn't cover floods, earthquakes, normal wear and tear, maintenance issues, or damage from pests. You may need separate policies for flood and earthquake coverage, and regular maintenance is your responsibility.

You can lower your premium by increasing your deductible, bundling with auto insurance, installing security systems, maintaining good credit, staying claims-free, and updating your home's safety features like smoke detectors and deadbolts.

While not legally required if you don't have a mortgage, homeowners insurance is still highly recommended. It protects your investment and provides liability coverage. Without it, you'd pay out of pocket for repairs, rebuilding, or legal claims.

Contact us immediately to report the claim. Document the damage with photos, make temporary repairs to prevent further damage, keep receipts for expenses, and cooperate with the claims adjuster. Don't throw away damaged items until the adjuster has seen them.

Protect Your Home Today

Get comprehensive homeowners insurance coverage and peace of mind for your family.

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