Home Insurance

Home insurance covers structural damage, personal belongings, and liability risks. Standard policies protect against fire, theft, and certain weather events. Additional coverage for floods or earthquakes may be necessary depending on your location. We’ll help you choose the best protection for your home.

Your coverage should match the cost of rebuilding your home and replacing your belongings. It’s important to consider your home’s value, the cost of repairs, and potential liability risks. Our team can help determine the right coverage amount based on your specific needs.

While not legally required, mortgage lenders typically mandate home insurance. Even if you own your home outright, having coverage protects against significant financial losses due to damage, theft, or liability claims. It’s one of the best ways to secure your investment.

The cost depends on factors like location, home value, age, and safety features. Homes in high-risk areas for storms or crime may have higher premiums. Discounts may be available for security systems, bundling policies, and other safety measures.

Standard home insurance does not cover floods or earthquakes. Separate policies are required for these risks. If you live in a high-risk area, we recommend adding flood or earthquake insurance to ensure full protection against natural disasters.