Homeowners & Flood Insurance
Your Home Protects You and Your Family—Return the Favor.
Your home is your largest investment, but it also protects the things that matter to you most—your family and the life you’ve built together. A comprehensive homeowners insurance policy can cover damages you can’t see coming, from fire and storms to theft and vandalism.
Homeowners insurance policies don’t include flood coverage, but most communities in the U.S. experience flooding after spring rains, heavy storms, hurricanes or as winter snow melts. We’ll help you add on a flood insurance policy to round out your coverage and protect your home from anything that might come your way.
Find the Coverage That’s Right for You
Most policies include a combination of protections, called loss of use and liability insurance, which covers losses to your home or its contents for any accidents that may happen. Our independent insurance consultants get to know you and your priorities, so they can advise you on the right type of coverage for you and your family. Learn more about the different types of homeowners insurance coverage below.
Dwelling Coverage
Dwelling coverage pays for repairs to your home after an accident, vandalism or natural disaster. This can include things like siding, a roof, plumbing and more. This coverage will usually cover the cost of rebuilding.
Coverage of Separate Structures
Garages, sheds, fences and other structures separate from your home can be covered under your policy as well, for both repairs and replacement costs.
Personal Property Coverage
With this coverage, you’ll be reimbursed for personal items in your home that may be damaged, destroyed or stolen. Under your policy you can insure everything from furniture and electronics to exercise equipment, clothing, jewelry and more.
Loss of Use
Experiencing a loss or damage to your home is stressful enough without also worrying about where you’ll stay while repairs are being made. Loss of use coverage can give you peace of mind by paying for additional housing and living expenses if you have to leave your home during restoration.
Liability Insurance
Liability coverage helps you out if someone gets hurt on your property, or if you or your family causes damage to someone else’s property. Liability insurance can cover medical bills, home repairs and even defense costs in the event of a lawsuit.
Policies are administered and underwritten by a third party.