Homeowners Insurance coverages types

Homeowners insurance coverage is your shield, protecting your house and your possessions against damage or loss from events like fire, theft, storm damage, frozen pipes, and more. It also provides a safety net with liability coverage for personal injuries sustained by others on your property.

Home Sharing Insurance. ideal for safe and insured home sharing

Insurance coverage for your belongings


Personal Property Replacement Cost

In the event of a covered loss, we’ll pay the actual cash value for items at the time of loss, then up to the total amount of the cost in today’s market


Jewelry Coverage

Replace your jewelry if it is lost or stolen, with no deductible. This coverage, known as ‘Jewelry Protection ‘applies to all your jewelry items collectively rather than individually.


Personal Property

Pays the actual cash value of covered personal property that needs to be replaced due to a covered loss.

Insurance coverage for damages

DWELLING COVERAGE This coverage pays to repair or replace the structure of your mobile home if it's damaged by events your policy covers, up to a limit you choose

Dwelling / Other Structures

Covers your home and the structures on your property.


Personal Liability and Medical Payment to Others

Covers you in the event of injury or property damage to somebody else.

home on Smart Switch Icon -RISK COVERAGE INSURANCE

Wind and Hail Damage

Covers your property for damage caused by wind and hail.

Hurricane damage

Water Backup

Insurance coverage for expenses


Additional Living Expenses/Loss of Rent

Covers any necessary increase in living expenses incurred by you and your house so that you can maintain their usual standard of living.2

money from the sky- RISK COVERAGE INSURANCE

Inflation Protection

With our Inflation Protection, you have the power to automatically adjust your coverage limits at your policy’s renewal to keep pace with inflation, and you will also receive a discount on your policy premium.

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qustions about insurance policy

Are there ways I can help protect my home?

Homeownership is a big responsibility, but it can be even more rewarding. You’re ahead of the game with preventive maintenance and know your home will last for years with proper care!

How many homeowners' insurance coverage do I need?

Homeowners’ insurance coverage is an essential topic for many homeowners, but it can be challenging to understand what exactly you need.

You might think that the amount of money spent on your house each year should cover anything from a broken pipe in one bathroom to replacing everything inside if there were flash floods or fire damage!

Having an agent who knows their field of research helps analyze and research policies will ensure that they get just enough protection at the best possible price and make sure no other gaps exist where something slash happens without planning.

How can I prevent claims at my home?

The best way to prevent claims at your home is by being a vigilant and careful consumer. It would help if you recognized potential hazards before they happen.

Don’t let things get cluttered or damaged, so you don’t have an accident that leads liability insurers into paying out money on behalf of their clients (you).

Should I get an umbrella policy too?

If you’re involved in an auto collision, and the other person’s fault is unclear, it may be time to consider getting extra protection.

Umbrella policies offer increased financial compensation for injuries, damage done on behalf of a covered individual that results from accidents occurring outside their control (such as driving into traffic), plus legal fees that will arise.

Do I need flood insurance too?

Floods aren’t just a coastal problem. They can happen anywhere, especially in High-Risk Flood Zones, and many homeowners don’t realize their policy doesn’t cover flood damage either!

If you live near the coast, near a River, or Lake, it may be worth looking into purchasing coverage for your home. Even though these types of storms rarely make headlines, they still cause tons of dollars worth of losses every year.

Allow us to be in your corner when making decisions regarding insurance policies that will keep covered, whether it’s windstorms, fires, hail, or rain.

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