Homeowners insurance is designed to protect you from the things that can damage your home, belongings, or hurt you financially. It covers wind/hail damage, fires, lightning, theft, and more. Plus it covers injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home.
When you get your free homeowners insurance quote, many of your coverages will be automatically included. Plus, you can add even more. We have expert agents standing by to guide you through your choices.
When you should consider homeowners insurance
Homeowners insurance is for you if you own a home, vacation home, or are purchasing a home. Not sure? Get a homeowners insurance quote, and we’ll make sure you get the right policy.
If you have a mortgage, your lender will likely require you to get insurance for your home. We’ll help take care of the details with your lender. Plus, in most situations, you’ll be able to combine your insurance payments with your mortgage bill (called escrow).
Homeowners insurance coverages we offer
We offer coverages for your house, garages, sheds, other structures on your property, lawsuits against you, and more. Get a homeowners insurance quote online, and we’ll have expert agents standing by to help explain all your options.
Repair/rebuild your home and other structures
Home insurance pays to repair or completely rebuild your house, materials inside like your kitchen countertops, attached, and unattached structures (garage, deck, porch, swimming pool, shed, fence, etc.). You’re covered against fire, wind, hail, tornados, falling trees/limbs, ice dams, the weight of snow, sleet, or ice on your roof, and more.
Example: It snows a ton, and your roof caves in. The snow then falls into your house damaging your walls, kitchen cabinets, countertops, and more. Homeowners covers all of these damages.
Temporary living expenses
If you can’t stay at home during repairs, your homeowners insurance covers hotel stays and even meals (above what you’d normally pay).
Example: A tree crashes through your roof, and you have to spend $2,500 to stay two weeks at a hotel. You’re covered for that bill, plus your meal expenses beyond your usual costs.
Injuries and lawsuits against you
This coverage is called personal liability and covers property damage and injury lawsuits. That means if you/your family members are responsible for someone else’s injuries or damages to their property. You can add coverages for libel, slander, or other lawsuits.
Example: A delivery person falls on your steps, breaks their arm, damages their merchandise, and then their company sues you. Your homeowners insurance will pay for their medical bills, lost wages while they’re injured, and the damaged merchandise.
Your personal possessions
Furniture, clothes, electronics, appliances, tools, power equipment, etc. are covered (even if they’re not in your house). To get extra protection, you may have to add a separate coverage for jewelry, art, or other expensive items. If so, give us a call at the end of your online homeowners insurance quote.
Example: Someone breaks into your car and steals your cellphone and thousands of dollars worth of tools/equipment. You just have to pay your deductible, and the rest is covered.