Home Insurance

Home insurance protects your home and your finances if your house is damaged, destroyed, or someone gets injured on your property. It helps pay for repairs, replacement, and liability costs after covered events like fire, storm, or theft.

Most mortgage lenders require home insurance before closing.

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What Does Home Insurance Cover?

1. Dwelling Coverage (House Protection)

Covers the structure of your home:

Fire
Storm / Wind / Hail
Lightning
Explosion
Vandalism

Pays to repair or rebuild your house if damaged.

2. Other Structures

Covers structures not attached to your home:

Garage
Fence
Shed
Driveway

3. Personal Property (Your Belongings)

Covers items inside your home:

Furniture
Electronics
Clothes
Appliances

Also covered for theft, fire, and some water damage.

4. Liability Protection (Covers Others)

Protects you if someone is injured on your property.

Pays for:

Medical bills
Legal costs
Lawsuits

Example: Someone slips and falls at your house.

5. Loss of Use (Living Expenses)

If your home becomes unlivable after a covered loss, insurance helps pay for:

Temporary housing
Hotel
Food expenses

What is NOT Covered? (Common Exclusions)

Usually not covered unless added:

Flood
Earthquake
Wear & tear
Maintenance issues
Mold (sometimes limited)

You may need separate Flood Insurance.

How Much Does Home Insurance Cost?

Your price depends on:

Home value / rebuild cost
Location / ZIP code
Age & condition of home
Roof type & age
Claims history
Coverage level & deductible

We help you find the right protection at the best price.

Discounts You May Qualify For

Bundle Home + Auto
New roof
Security system
Claim-free
New home
Paid in full / Auto pay

Ask us to check all available discounts.

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