Home Insurance

Comprehensive Home Protection

Your home is likely your largest investment and most treasured possession. Our comprehensive home insurance policies provide protection for your dwelling, personal belongings, and liability coverage to give you complete peace of mind.

We understand that every home is unique, which is why we offer customizable coverage options that can be tailored to your specific needs. From basic dwelling protection to comprehensive coverage for high-value homes, we have solutions that fit every budget and lifestyle.

What's Covered by Home Insurance

Comprehensive protection for your home and belongings

Dwelling Coverage

Protection for the physical structure of your home against covered perils like fire, windstorm, hail, and vandalism.

Structure repairs and rebuilding
Attached structures (garage, deck)
Built-in appliances
Plumbing and electrical systems

Personal Property

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

Furniture and electronics
Clothing and jewelry
Sports equipment
Temporary living expenses

Liability Protection

Protection against lawsuits and claims if someone is injured on your property or you damage someone else's property.

Bodily injury liability
Property damage liability
Medical payments
Legal defense costs

Other Structures

Coverage for detached structures on your property such as sheds, fences, and standalone garages.

Detached garages
Storage sheds
Fences and walls
Pool houses

Additional Living Expenses

Coverage for temporary living costs if your home becomes uninhabitable due to a covered loss.

Hotel and rental costs
Restaurant meals
Laundry services
Storage costs

Valuable Items

Enhanced coverage for high-value items like jewelry, art, collectibles, and electronics.

Jewelry and watches
Fine art and antiques
Musical instruments
Collectibles

Types of Home Insurance Policies

Choose the right level of protection for your home

HO-3 Homeowners Policy

HO-5 Comprehensive Policy

Premium Protection

The most comprehensive coverage available, protecting both your dwelling and personal property on an open-perils basis.

Open-perils for dwelling and contents
Higher coverage limits
Enhanced personal property protection
Replacement cost coverage

Ways to Save on Home Insurance

Take advantage of these money-saving opportunities

Safety Features

Smoke detectors, burglar alarms, fire extinguishers, and security systems.

New Home

Discounts for newly constructed homes with modern building materials and techniques.

Multi-Policy

Bundle your home and auto insurance for significant savings on both policies.

Claims-Free

Reward for maintaining a claims-free history with continued discounts.

Our Claims Process

Fast, fair, and hassle-free claims handling

Report the Claim

Document Everything

Take photos, make a list of damaged items, and keep all receipts for emergency repairs.

Meet the Adjuster

Our claims adjuster will inspect the damage and estimate the cost of repairs or replacement.

Receive Payment

Once approved, you'll receive payment for covered damages minus your deductible.