Why Home Insurance Matters
A homeowners policy does more than cover your house. It protects your belongings, shields you from liability, and pays for temporary living expenses if something forces you out of your home. Without it, a single fire, storm, or lawsuit could wipe out years of savings.
What a Standard Policy Covers
- Dwelling coverage for damage to your home’s structure from fire, wind, hail, and other covered events
- Personal property protection for furniture, electronics, clothing, and other belongings
- Liability coverage if someone is injured on your property or you accidentally damage someone else’s property
- Additional living expenses when your home is temporarily uninhabitable after a covered loss
- Medical payments for minor injuries to guests, regardless of fault
Things Many Homeowners Overlook
Standard policies have limits on valuables like jewelry, art, and collectibles. If you own high-value items, scheduling them on a separate rider ensures full replacement coverage.
Flood damage is never covered by a standard homeowners policy—even if you don’t live near water. With changing weather patterns, flood policies have become important for homeowners in areas that historically haven’t flooded.
Building codes change over time. If your home needs to be rebuilt, updated code requirements can add significant cost. Make sure your policy includes ordinance or law coverage.
Replacement Cost vs. Actual Cash Value
Replacement cost pays what it actually costs to rebuild or replace damaged items at today’s prices. Actual cash value deducts for depreciation, leaving you with less. We recommend replacement cost coverage with no cap for both your dwelling and personal property.
Umbrella Coverage
If someone suffers a serious injury on your property—a pool accident, a fall on ice—your standard liability limit may not be enough. An umbrella policy extends your liability protection well beyond your homeowners limits, often for a modest additional premium.
Let Us Shop It for You
As an independent agency, we compare home insurance rates across 30+ carriers. You get the right coverage at the best available price without having to call around yourself.