Your home isn’t just a structure made of beams and walls — It’s your happy place, and it deserves to be protected.
Our independent insurance agents carry the burden of searching high and low and won’t stop until they find the homeowners coverage that will keep your carefree sanctuary secure.
What Does Homeowners Insurance Cover?
To put it simply, homeowners insurance is designed to repair, replace or recover the value of what you currently have (under coverage) if it’s damaged due to any number of causes.
Types of Claims and Cause of Damage
Property Damage - This is by far the biggest claim maker, which includes damage to your house and any structures on your property due to water, fire and severe storms among others.
Natural Disasters - Homewreckers like floods and earthquakes are usually not covered by basic plans, meaning, you’ll need added coverage or a separate policy to keep your goodies protected. See what disasters are covered >
Standard Home Liability - This will cover you financially if someone is injured or their personal belongings are damaged while on your property. More liability info >
Extra Money for Living - If your house is too messed up to live in while it’s being repaired or rebuilt, most policies will pay for a hotel and other living expenses, like groceries.
Personal Property Coverage (AKA your stuff) - This will depend on the policy. Items like furniture may only be covered up to a depreciated value, but stuff like your bling might not have any coverage and will need additional insurance. Details on covering your stuff >
Is Homeowners Insurance Mandatory?
Homeowners insurance isn’t required by law, but most lenders will be sticklers and will require a policy in order to give you a loan. At a minimum, they’ll want your policy to cover or exceed the amount you owe on the loan.
What's So Great About an Independent Insurance Agent?
It’s simple. Literally. Independent insurance agents simplify the process by shopping and comparing home insurance quotes for you. Not only that, they’ll cut the jargon and clarify the fine print so you know exactly what you’re getting.
Percent of People Who Understand Their Insurance Coverage
Plus, independent insurance agents work for YOU and not one insurance provider. Actually, they’re the only agents who can check policies from multiple carriers to find the right coverage at the best price.
Percentage of Homeowners Who Are Under-insured
Most importantly, they’ll be there to help you when claim time comes. The outcome of home insurance claims can be strongly impacted by how the process is approached and handled.
How to Make Sure You're Adequately Covered
Many homeowners think they’re fully covered. Unfortunately they’re not, and figuring this out when it’s claim time can be infuriating. Finding the right coverage depends on a number of things, from crime rates to wildfires in your area. Here are several hacks to help you.
Check out How Much Homeowners Insurance Varies by State:
Where Are All the Home Insurance Discounts Hiding?
To start, combining policies and raising your deductible are two easy ways to drive down cost. You can also get lower rates and discounts if you reduce the risk of theft and damage by installing fire sprinklers, smoke alarms and security systems. More on discounts >
The 411 On Online Home Insurance Quotes
We know what you’re really looking for — fast and easy insurance quotes in 30 seconds or less. We get it, you want the goods ASAP, but choosing speed over accuracy can leave you high and dry or low and wet.
Robots and algorithms may be quick, but your peace of mind isn’t a variable in their quoting equation. Not only that, our competitors may sell your info to multiple companies, which can result in calls, on calls, on calls.
We flipped the script on this process and give you the info to connect with an independent insurance agent in your area. From there, THEY take the wheel and do the work to find the best quotes to fit your needs perfectly.