SERVICES
Homeowners Insurance
Your home is likely your largest investment. Homeowners insurance protects that investment—and everything inside it—from fire, theft, vandalism, and more.
For most of us, a home is more than a place to live. It’s the foundation of our financial future. Homeowners insurance exists to protect that foundation.
A standard homeowners policy covers:
The structure of your home
Repairs or rebuilding after a covered event
Your personal belongings
furniture, electronics, clothing, and more
Liability protection
if someone is injured on your property and files a lawsuit
Additional living expenses
if your home becomes uninhabitable during repairs
What’s typically not covered
Flood damage and earthquake damage are excluded from standard policies. If you live in an area vulnerable to either, you will need separate coverage or a specific endorsement.
How much coverage do you need?
Start by knowing your home’s replacement cost—not its market value, but what it would actually cost to rebuild. Then take inventory of your belongings. For high-value items like jewelry, art, or antiques, consider adding scheduled personal property coverage.
Your home is where life happens. Protect it accordingly.
