What's Covered
Dwelling coverage for your home's structure
Personal property coverage for belongings
Liability protection if someone is injured on your property
Additional living expenses if your home is uninhabitable
Other structures coverage (fences, sheds, detached garages)
Medical payments to guests
Optional flood and earthquake endorsements
Common Questions
Does homeowners insurance cover flooding?
Standard homeowners policies do not cover flood damage. However, we can help you add flood insurance through the National Flood Insurance Program (NFIP) or private flood coverage.
What does homeowners insurance typically not cover?
Standard policies typically exclude flood, earthquake, normal wear and tear, pest damage, and intentional damage. We can help you find additional coverage for many of these.
How is my home insurance premium calculated?
Factors include your home's age, construction type, location, claims history, credit score, coverage amounts, and deductible level.