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HOMEOWNERS INSURANCE

Homeowners insurance, honestly placed.

A standard HO-3 policy covers more than most people think and less than most people assume. We compare your home to what A-rated carriers actually price it at, flag the coverage gaps before a claim, and explain exactly what you are buying.

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WHAT'S COVERED

What a standard homeowners policy covers.

Dwelling and structures

The cost to rebuild your home and attached structures after a covered loss. This is a coverage limit, not your home's market value, and it should reflect current local rebuild costs.

Personal property

Your belongings inside the home. Standard limits are a percentage of your dwelling coverage. High-value items like jewelry, art, and collectibles often need scheduled coverage to be fully protected.

Liability protection

Pays if someone is injured on your property or you cause damage to someone else's property. Standard limits start at $100,000 but most households should carry $300,000 or more.

Loss of use

If a covered loss makes your home uninhabitable, this pays for hotel costs, meals, and other living expenses while repairs happen. Limits are usually a percentage of your dwelling coverage.

IMPORTANT LIMITATIONS

What a standard homeowners policy does not cover.

Flood damage

Standard homeowners policies exclude flood damage entirely. Flood insurance is a separate policy through the federal NFIP program or a private flood insurer.

Earthquake damage

Earthquake damage is excluded from standard policies. Coverage is available as a separate endorsement or standalone policy in earthquake-prone regions.

Wear, tear, and maintenance

Damage from gradual deterioration, lack of maintenance, or normal wear is not covered. A leaking roof that has been leaking for months will not be covered as a sudden loss.

Business activities

Business equipment, inventory, and liability from business operations conducted at home are excluded. Home-based businesses need a home business endorsement or separate commercial policy.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

When did you last review your homeowners coverage limits?

Most homeowners we review are underinsured on dwelling coverage, are carrying actual cash value instead of replacement cost on contents, and have liability limits that have not been reviewed since the policy was first written.

Varies widely by state, property age and construction, claims history, and carrier appetite. Most homeowners pay between $1,200 and $5,000 per year for a typical single-family home with adequate coverage.

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