Home protection

Homeowners Insurance

Protect your home, belongings, and liability with coverage built around real rebuild costs—not guesswork.

What homeowners insurance covers

A homeowners policy typically includes protection for the structure, personal property, and personal liability.

Coverage details vary by carrier and location. We help you confirm what’s included, what’s excluded, and which endorsements are worth adding based on your property and risk profile.

A stronger quote starts with
  • Rebuild cost estimate (not market value)
  • Roof age and key property features
  • Coverage for valuables and special items
  • Liability limits and umbrella options
Key coverages

Core parts of most policies

These sections work together to protect your home and financial security.

Dwelling

Protection for the structure and attached components based on rebuild costs.

Other structures

Coverage for detached garages, fences, sheds, and similar structures.

Personal property

Protection for belongings, with optional upgrades for replacement cost coverage.

Loss of use

Helps cover temporary living expenses if your home is not livable after a covered loss.

Personal liability

Helps protect you if someone is injured on your property or you cause damage to others.

Medical payments

Covers smaller medical expenses for guests, regardless of fault, up to the policy limit.

Endorsements

Add-ons that often matter

Many homeowners need additional coverage beyond the base policy, depending on location and property features.

  • Extended or guaranteed replacement cost options
  • Scheduled personal property for valuables
  • Water backup coverage
  • Equipment breakdown endorsements
Pricing factors
Replacement cost, roof age, and construction type
Location-based risks and local claim history
Deductibles, limits, and selected endorsements
Security systems and mitigation features
Common gaps

What to confirm before you buy

The most common surprises come from exclusions and sub-limits. We review the fine print with you.

Water and flood exclusions

Flood and certain water losses can require separate coverage or endorsements depending on the cause of damage.

Valuables sub-limits

Jewelry, art, and collectibles may be capped unless scheduled separately.

Replacement cost vs. actual cash value

This impacts claim payouts for belongings and sometimes the home itself. We clarify what your policy uses.

Liability limits

We review liability needs based on assets, risk exposure, and whether an umbrella policy makes sense.

FAQ

Homeowners insurance questions

Short answers to the questions we hear most often.

Homeowners insurance is typically based on rebuild cost, not market value. We help estimate replacement cost and confirm limits are appropriate.

Flood coverage is usually excluded and requires a separate policy or specific options depending on the carrier and location.

An umbrella can add extra liability protection above your home and auto limits. We help evaluate whether it fits your needs.

Address, year built, roof details, square footage, prior coverage, and any special features (pool, ADU, security system) help us quote accurately.

Protect your home with the right details

We’ll help you choose limits, review endorsements, and compare options that fit your property and budget.