Protect the Place You Call Home
Your home is more than a building. The right insurance can help protect your home, belongings, and finances when the unexpected happens.
Our Insurance Advisors compare coverage options from multiple insurance companies and help you find protection that fits your property, needs, and budget.
Get a Home Insurance Quote

Coverage for Wherever You Call Home

Build Coverage Around What You Need.

  • Homeowners Insurance
    Protection for your home, belongings and personal liability.
  • Condo Insurance
    Coverage designed for your condo unit, personal belongings and liability.
  • Renters Insurance
    Protect your belongings and personal liability when you rent your home.
  • Rental Property Insurance
    Coverage designed for homes you own and rent to others.

What Does Homeowners Insurance Cover?

A homeowners policy can include several types of protection:

  • Your Home
    Helps repair or rebuild your home after damage caused by a covered loss.
  • Other Structures
    May cover structures such as a detached garage, shed or fence.
  • Personal Belongings
    Helps protect furniture, clothing, electronics and other personal property.
  • Personal Liability
    Helps protect you financially if you're legally responsible for certain injuries or property damage to others.
  • Additional Living Expenses
    May help with additional living costs if a covered loss makes your home temporarily uninhabitable.
  • Medical Payments to Others
    May help with certain medical expenses if a guest is injured on your property, subject to policy terms and limits.
Not Everything Is Covered by a Standard Homeowners Policy
Some losses may require separate coverage or an endorsement.

Flooding
Standard homeowners insurance generally doesn't cover flooding from rising water.

Earthquakes
Earthquake coverage generally requires separate coverage.

Sewer & Sump Pump Backup
You may need to add coverage to your homeowners policy.

Valuable Items
Jewelry, fine art, and other high-value belongings may require additional coverage.

Replacement Cost or Actual Cash Value?

  • Replacement Cost
    The estimated cost to repair or replace covered property with materials or items of similar kind and quality, without subtracting depreciation.
  • Actual Cash Value
    The value of covered property after depreciation is taken into account.
    The cheapest policy isn't always the cheapest after a loss. Understanding how your property will be valued matters.
Buying a Home? Your Lender May Require Insurance.

Homeowners insurance isn't just about satisfying your mortgage lender. It helps protect one of your largest financial assets.


Most mortgage lenders require homeowners insurance while you have a mortgage. If coverage lapses, a lender may obtain insurance protecting its interest in the property, potentially at a higher cost and with more limited protection than a homeowners policy you select yourself.


Buying a home?

Contact us before closing

What Can Affect Your Home Insurance Premium?

Your rate may depend on factors such as:

  • Location
    Where your home is located and risks in the surrounding area.
  • Age & Construction
    The age, size, materials and construction characteristics of the home.
  • Roof
    Roof age and condition can affect eligibility and pricing.
  • Replacement Cost
    How much it may cost to rebuild the home.
  • Claims History
    Previous insurance claims may affect available options and premiums.
  • Coverage & Deductible
    Your coverage limits, endorsements and deductible choices affect price.
  • Safety Features
    Some insurance companies may offer discounts for qualifying alarms, security systems or other protective devices.