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Home Insurance
Protect Your Home & Where Your Life Happens
Your home isn't just a place you rest your head, it's where we raise our families, spend time friends, and live our lives. That's why its important to insure it correctly! We'll work with you to evaluate all homeowner's coverage options and assess the risks you face in order to craft a policy that protects you and your family's biggest asset.
We can help identify the type of homeowners insurance that's best for you and help you understand different coverage options too. We offer insurance for homeowners, condo owners, and renters with a wide range of additional coverage options.
Buying a home for the first time? Check out our First Time Home Buyer Page for some helpful information!
Types of Homeowners Insurance
Homeowners
Combines coverage for your home and the property it sits on, your personal property in the home, and your liability as the homeowner for injury on your premises.
Condo
Designed for the owners of condos and apartments. Typically covers your unit, common areas, and structures such as a garage that you own elsewhere in the complex.
Renters
Offers property and liability coverage for tenants of apartments and other rental properties. Can be used to pay for loss-related expenses such as damaged personal property, temporary living expenses, repairs, and credit card loss.
Homeowners Insurance Policy Coverages
Dwelling
Sometimes referred to as Coverage A, Dwelling Coverage insures your home is protected in the event it is damaged or destroyed due to fire damage, lightning, wind, hail, or other covered peril.
Personal Liability
Provides coverage for the cost of damages that you are responsible for including bodily injury or property damage.
Detached Structures
Provides coverage to any structure that is detached from your home such as a garage or shed.
Identity Theft Protection
Identity theft coverage helps you pay for all the services you’ll need to get your identity back and fix your credit score, which can be an overwhelming and expensive process to do on your own. It may also cover preventative services, like credit or digital footprint monitoring.
Buried Line Service
Service line coverage, also known as buried utility lines coverage, is an endorsement that can be added to many home insurance policies to cover the cost of repairing or replacing a broken utility line running into your home.
Equipment Breakdown
This optional provides coverage for physical loss or damage to equipment caused by mechanical, electrical or electronic breakdown, rupture, bursting, bulging, implosion or explosion.
Home Cyber
Protects individuals and families from losses such as compromised data on personal computers, mobile devices and other connected home technology, as well as damage to software and operating systems.
Water/Sewer Backup
A standard water or sewer backup coverage endorsement reimburses you for water damage to the structure of your home or personal property if it’s discharged or overflows.
Flood Insurance
Flood insurance covers a dwelling for losses sustained by water damage due to flooding. Flood insurance policies are available for all residential and commercial properties.
In most cases, flood insurance is not mandatory. If you live in a high-risk flood area and have a federally-backed mortgage (FHA loan, VA loan, Fannie Mae or Freddie Mac loan) the mortgage lender will require you to have flood insurance.
Homeowners insurance policies explicitly exclude flood damage from coverage. For the purposes of your homeowners insurance, a flood is defined as water that touches the ground before it enters your home.
This leave a gap from damage of possible water sources unless you have a flood insurance policy. Those sources of water include surface water, overflow from rivers and streams, mudflows, and seeping groundwater.
"I looked at 3 local insurance agencies to get a policy which would fit the needs of a family member. Not only was Nick the first one to get back to me with a few different options, he came in as the best value and fit our needs. Great integrity and customer service!"
- Sol D