Homeowners Insurance

Your home is one of your biggest investments. We help you protect the place you live and the possessions you have worked hard to build, with coverage designed around how you live.

More than just four walls

Homeowners insurance can help repair or rebuild your home after a covered loss, replace belongings, and provide liability coverage if someone is injured on your property. We also help you consider additional protections such as coverage for valuable items or extended replacement cost.

Typical areas we review together

Dwelling coverage — For the structure of your home and attached buildings.
Personal property — For furniture, electronics, clothing, and other belongings.
Loss of use — For additional living expenses if you cannot live in your home during repairs after a covered claim.
Personal liability — If you are legally responsible for bodily injury or property damage to others.
Medical payments to others — For minor injuries to guests in your home.

Questions to ask about your homeowners policy

Our role as your independent agent is to help you understand how coverage translates into real-world protection.

Does your policy insure your home for replacement cost or actual cash value? How might that affect a claim settlement?
Do your current limits reflect today’s rebuilding costs in your area?
Are jewelry, fine arts, or collectibles properly covered, or do they need to be specifically scheduled?
What discounts are available for things like a security system, fire-resistant construction, or bundling your home and auto policies?
What is the process for filing and settling a claim? Who do you contact, and what information is helpful to have ready?

Whether you are buying your first home or reviewing coverage on a long-time residence, we will walk through your options with you.

Request a homeowners quote