Insurance for homes, condos & landlords.
Receive insurance quotes by answering as few as 3 questions.
Insurance you’ll understand and prices you’ll love.
We utilize the latest technology & underwriting enabling us to quote in as little as 60 seconds.
Your home is most likely the biggest financial investment that you’ll ever make. As such, you’ll need an insurance policy which will fully protect that investment. But all homeowner insurance policies aren’t created equally. Some things to consider when shopping for home insurance include the following:
Most lenders will require that you show some type of proof of insurance. But the type of insurance you purchase is up to you.
A standard homeowner insurance policy will cover the dwelling, the personal property within the dwelling, and personal liability in the event that someone has an accident or is injured while at your home. But there are additional coverages called riders or endorsements that should also be considered. These endorsements to your standard home insurance policy extend the coverage for certain types of property or peril. A jewelry rider is a common example. Oftentimes the base policy will set a limit on the amount of personal property that will be reimbursed from a loss. A rider can be purchased if the value of your jewelry exceeds the personal property limits of the base policy. Another common rider is for water backup coverage as this peril is often excluded in a standard home insurance policy.
The best way to determine what type of insurance you should purchase and which riders you should consider is to ask a licensed agent in our office. We can assist you with assessing your home insurance needs and provide you with some quotes from several of the top insurance companies.
What does home insurance cover?
Home insurance can cover a variety of losses including weather, fire and personal liability. The amount of coverage you get depends on the policy you purchase.
Is home insurance required?
You should have home insurance. Your home is likely your largest asset and if you have a loan it will be required.
Does home insurance protect me from dog bites claims?
Yes, home insurance provides you with insurance coverage in the event you have a dog that bites someone. Some dog breeds are uninsurable, so before you purchase a dog, be sure to contact your agent to see what breeds might be excluded. Additionally, each claim is different so coverage will be decided by the insurance company to ensure no excluded acts were committed.