Home Insurance:
Protection You Can Trust, Savings Always On
What is
Home Insurance?
Home insurance protects your home, belongings, and liability against unexpected events like fire, theft, or storms. Whether you’re insuring your primary residence or a rental property, we help you find the right policy at competitive rates to ensure you’recovered when it matters most.
Homeowners Insurance Coverage
Part I: Property Coverages
These coverages protect your home and belongings from physical damage caused by covered perils:
1. Dwelling Coverage:
Protects the structure of your home (walls, roof, etc.) from perils like fire, windstorms, or hail.
Example: If a fire damages your kitchen, dwelling coverage pays for repairs.
2. Other Structures Coverage:
Pays for temporary living expenses if your home becomes uninhabitable due to a covered event.
Example: If a storm damages your roof and you need to stay in a hotel during
repairs, this coverage covers hotel costs and meals.
3. Personal Property Coverage:
Protects your belongings inside the home (e.g., furniture, electronics) against theft or damage.
Example: If someone breaks into your home and steals your TV and laptop, this coverage reimburses you.
4. Loss of Use Coverage:
Protects your belongings inside the home (e.g., furniture, electronics) against theft or damage.
Example: If someone breaks into your home and steals your TV and laptop, this coverage reimburses you.
Part II: Liability Coverages
These coverages protect you financially if you are held responsible for injuries or property damage to others:
1. Personal Liability Coverage:
Protects the structure of your home (walls, roof, etc.) from perils like fire, windstorms, or hail.
Example: If a fire damages your kitchen, dwelling coverage pays for repairs.
2. Medical Payments to Others:
Pays for temporary living expenses if your home becomes uninhabitable due to a covered event.
Example: If a storm damages your roof and you need to stay in a hotel during
repairs, this coverage covers hotel costs and meals.
Dwelling Fire Insurance Coverage
Part I: Property Coverages
Dwelling fire insurance is ideal for non-owner-occupied properties like rental homes or vacation homes. It typically includes:
1. Dwelling Coverage:
Protects the structure of your home (walls, roof, etc.) from perils like fire, windstorms, or hail.
Example: If a fire damages your kitchen, dwelling coverage pays for repairs.
2. Other Structures Coverage:
Covers attached structures like decks and porches.
Example: If hail damages the porch of your rental cabin, this coverage pays for
repairs.
Part II: Liability Coverages
Most modern dwelling fire policies include liability protection similar to homeowners insurance:
1. Personal Liability Coverage:
Covers legal expenses if someone is injured on the rental property or if the
property causes damage to others (e.g., a tree falls onto a neighbor’s house).
2. Medical Payments to Others:
Pays minor medical expenses for injuries occurring on the rental property—regardless of fault.
Coverage Forms: Basic, Broad, and Special
Both homeowners and dwelling fire insurance policies can be written under three main forms:
Basic Form (Named Perils):
Protects the structure of your home (walls, roof, etc.) from perils like fire, windstorms, or hail.
Example: If a fire damages your kitchen, dwelling coverage pays for repairs.
Broad Form (Expanded Named Perils):
Pays for temporary living expenses if your home becomes uninhabitable due to a covered event.
Example: If a storm damages your roof and you need to stay in a hotel during
repairs, this coverage covers hotel costs and meals.
Special Form (All-Risk):
Covers all perils except those explicitly excluded (e.g., flood or earthquake). Most comprehensive form.
Optional Coverages
1. Flood Insurance:
Protects against water damage caused by flooding events (not
covered by standard policies).
3. Earthquake Insurance:
Provides protection against structural damage caused
by seismic activity.
Recommendations Based on Your Needs
How Much Coverage Do You Need?
For Homeowners with Significant Assets:
Consider higher liability limits to protect yourself financially in case of lawsuits. Recommended: $300,000 or more in liability coverage.
For Rental Property Owners:
Dwelling fire policies with fair rental value coverage ensure you’re protected
against income loss during repairs.
For High-Risk Areas:
Add flood or earthquake insurance if your property is located in a high-risk zone.
Why Choose Us?
With so many options available from over 70,000 P&C insurance carriers in the U.S., finding the right home insurance can be overwhelming. That’s where we come in:
- We compare quotes from multiple carriers to find the best coverage at
competitive rates. - Our licensed agents provide personalized advice based on your needs and
budget. - As a virtual agency, we save you time and money—no broker fees when you buy
online!
