Protect Your Home & Everything Inside It

core Coverages
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At our company, we make homeowners insurance simple. We provide clear, customizable policies designed to protect your home, belongings, and personal liability.

Whether you're a first-time homeowner or looking to review your current coverage, our experienced team helps you find protection that works for you—without the stress.

Home Coverage That Fits Your Life

Dwelling Coverage
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Dwelling Coverage

Dwelling coverage helps protect the physical structure of your home, including walls, roof, and foundation, from damage caused by fire, storms, or other covered events.

  • Covers home structure repair or rebuild
  • Protection against fire, wind, hail, and more
  • Includes attached structures like garages
  • Helps cover materials and labor costs
  • Essential for mortgage lender requirements
Personal Property
Coverage
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Personal Property Coverage

Personal property coverage protects the belongings inside your home, like furniture, electronics, clothing, and valuables, in case of theft, fire, or other covered losses.

  • Covers personal belongings damaged or stolen
  • Includes items inside and outside the home
  • Protection from theft, fire, and weather damage
  • Replacement cost or actual cash value options
  • Customizable limits based on your needs
Personal Liability Protection
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Personal Liability Protection

Personal liability protection covers you if someone is injured on your property or if you accidentally cause damage to someone else’s property. Legal fees and medical costs may be included.

  • Protects against personal injury claims
  • Covers medical bills for guest injuries
  • Legal defense costs included
  • Applies on and off your property
  • Peace of mind for unexpected events
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FREQUENTLY ASKED QUESTIONS

Homeowners Insurance

Find answers to common questions about homeowners insurance coverage and how it protects you, your home, and your belongings.

  • What does homeowners insurance typically cover?

    Homeowners insurance usually covers damage to your home and personal belongings caused by events like fire, theft, and certain weather incidents. It also includes liability protection if someone is injured on your property. Coverage may vary depending on your specific policy and location.

  • Is homeowners insurance required by law?

    Homeowners insurance isn't required by state law, but most mortgage lenders will require it to protect their investment. Even if you own your home outright, it’s highly recommended to have coverage to protect your property and belongings from unexpected losses.

  • How much homeowners insurance do I need?

    The amount of homeowners insurance you need depends on the value of your home and belongings. You should have enough coverage to rebuild your home and replace your possessions in case of a total loss. Our team can help you determine the right limits.

  • Does homeowners insurance cover floods or earthquakes?

    Standard homeowners insurance policies typically do not cover flood or earthquake damage. These risks usually require separate policies or endorsements. If you live in an area prone to these events, we can help you explore additional coverage options.

  • Can I bundle homeowners insurance with other policies?

    Yes! Bundling homeowners insurance with auto, umbrella, or other policies often leads to discounts and simplified management. Our team can design a comprehensive plan that combines multiple coverages to help you save time and money.

Get Your Home Covered Today

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