Protect Your Home.
Protect What Matters
Inside It.

Many carriers offer a multi-policy discount when home and auto are placed together. The amount varies by carrier, state, policy type and eligibility, so we cannot promise a number.

Not at all. Depending on your state and the carriers we are appointed with, we may also be able to help you explore condo, mobile home, renters, landlord, flood and umbrella coverage. Use the selector above to see each one.

A standard policy typically brings together dwelling, other structures, personal property, loss of use, personal liability and medical payments to others. What is covered, and the limits that apply, depend on the policy you choose and the carrier issuing it.

It is not required by state law, but a mortgage lender generally requires it as a condition of the loan. Even without a mortgage, it is worth considering for the financial exposure a home represents.

It depends on the source. Sudden, accidental water damage from something like a burst pipe is often covered, while flooding from rising surface water generally is not. Damage from sewer or drain backup usually requires an endorsement.

Replacement cost is based on what it would take to repair or replace with materials of like kind and quality. Actual cash value factors in depreciation, so it typically pays less. Which applies depends on your policy and the coverage you select.

Personal property coverage can help with eligible belongings such as furniture, clothing and electronics after a covered loss. Certain categories, such as jewelry or collectibles, are often subject to per-item limits and may need to be scheduled separately.

It can help protect you financially if you are found legally responsible for certain injuries to others or damage to their property, up to your policy limits. It may also help with related legal defense costs, subject to policy terms.

Compare the same coverage amounts, deductibles and endorsements across carriers, not just the premium. Two policies at a similar price can differ materially in what they cover. We can walk through the differences with you.

Standard homeowners policies generally exclude flooding from rising surface water. Flood coverage usually requires a separate policy, even when your lender does not require one.

Dwelling coverage should reflect the estimated cost to rebuild your home, not its market value or purchase price. Construction costs, features, local labor, and code requirements all matter.

Coverage for business equipment and liability is often limited under a standard home policy. An endorsement or separate business policy may be needed depending on your operations and revenue.