Get the
best coverage
and rates

We can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

If you’re like most homeowners, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

*Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Homeowners Insurance

Homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

Common Homeowners Coverages

These are some common coverages you typically see on a policy:


This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Personal Liability

Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

Other Structures

This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.

Personal Property

This covers all of your personal belongings like clothing, furniture, electronics, and appliances.

Loss of Use

This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

How to Get a Homeowners Insurance Quote

Getting a homeowners insurance quote is easy. Here are some of the important questions we’ll ask:

  • Who lives with you? Determine who will be on the property, and if you’ll be running a business from home.

  • How is the home built? Provide details about your home’s construction, such as when the roof and utilities were last updated.

  • Who will own the home? Let us know if there will be a co-owner/co-applicant (usually a spouse).

  • Do you have home insurance now? Tell us who your carrier is and how long you’ve been insured.

Do you own a home with unique architecture or worth more than $1 million? We represent many carriers that specialize in high net worth properties.

Every home is unique, and therefore requires a carefully crafted policy. If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

Homeowners Insurance Quote

Frequently Asked Questions

1. Why is home insurance important?

  • Home insurance provides financial protection against damage to your home, belongings, and liability for accidents that occur on your property.

2. What does home insurance cover?

  • It typically covers the structure of your home, personal belongings, liability for injuries or damages to others, and additional living expenses if your home becomes uninhabitable due to covered events.

3. Why is coverage for the structure of the home important?

  • It ensures that repairs or rebuilding costs due to damage from events like fire, storms, vandalism, or other covered perils are covered, sparing homeowners from significant financial burdens.

4. Does home insurance cover personal belongings?

  • Yes, it often includes coverage for personal items such as furniture, clothing, and electronics, protecting them against theft, damage, or loss, whether at home or elsewhere.

5. What role does liability coverage play in home insurance?

  • Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property, covering legal expenses and settlements if you’re found liable.

6. Can home insurance protect against natural disasters?

  • Depending on the policy, it may cover damage from certain natural disasters like hurricanes, earthquakes, or floods. Additional coverage might be necessary for full protection.

7. How does home insurance benefit beyond property damage?

  • It offers financial support for temporary living expenses if your home becomes uninhabitable due to covered damage, covering costs for alternative accommodations.

8. Why is it essential to review and update home insurance regularly?

  • Updating your policy ensures that coverage remains adequate for any home improvements, renovations, or increased property values, avoiding underinsuring your home.

9. Does home insurance cover personal liability away from home?

  • Yes, it often provides personal liability coverage that extends beyond your property, protecting you worldwide against accidental harm or damage you may cause.

10. How does home insurance offer peace of mind?

  • Having home insurance means having a safety net, providing peace of mind that you and your home are protected financially from unexpected events, allowing you to feel secure in your investment.