HOMEOWNERS INSURANCE
Protecting the place you call home.
Whether you live in town or out on the farm, we shop our carriers to find homeowners coverage that fits, and we explain your options in plain English.
WHAT IT TYPICALLY COVERS
The basics, explained.
Your Home
The house itself, including attached structures like a garage.
Other
Structures
Detached garages, sheds, and fences on your property
Belongings
Furniture, clothing, and electronics inside your home.
Liability
Protection if someone is hurt on your property or you damage theirs.
Living
Expenses
Costs of staying elsewhere if a covered loss makes your home unlivable.
Coverage descriptions are general. Actual coverage depends on your policy and carrier.
WHAT PEOPLE OFTEN MISS
Worth asking
about before you
need it
1
2
3
4
5
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Flood isn’t included
Standard homeowners policies don’t cover flood damage.
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Water backup and sump pump
Often an optional add-on, and worth a look if you have a basement.
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Replacement cost vs. actual cash value
One pays to replace what was lost. The other subtracts for age and wear.
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Wind and hail deductibles
Some policies use a separate, percentage-based deductible for storm damage.
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Jewelry, firearms, and collectibles
These may have coverage limits unless they’re listed separately.
WHO IT'S FOR
Coverage for every kind of homeowner
First-Time
Buyers
We’ll walk you through what a policy is and what your lender requires.
Older
Homes
Age, wiring, plumbing, and roof all matter. We’ll help you find carriers that fit.
Rental
Properties
Landlord coverage for homes and units you own but don’t live in.
Rural &
Outbuildings
Acreage, barns, and detached buildings need a closer look.
HOW IT WORKS
Simple from first call to claim
1
Tell us about your
home
A quick call or the online
form.
2
We shop our
carriers
We compare options for
you.
3
We explain your
options
Coverage, deductibles, and price, in plain English.
4
We're here for
claims
Call us and we’ll help you get started.
COMMON QUESTIONS
Good to know
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How much coverage do I need?
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It depends on what it would cost to rebuild your home and replace your belongings, not what it would sell for. We’ll walk through the numbers with you.
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​​What affects my rate?
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The age and condition of the home, the roof, location, claims history, your deductible, and the coverages you choose.
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What should I do after storm damage?
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If it’s safe, prevent further damage and take photos. Then call us and we’ll help you start your claim.
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Ready to talk about your home?