Why do I need homeowners insurance?

Help protect one of your most important investments.
Most mortgage lenders require homeowners insurance.

Who should carry homeowners insurance?

- First time home buyers
- Current homeowners

Your policy is the best place to review your coverages, but a few common items covered by homeowners insurance are:

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Property Damage


Most policies provide coverage for damage to your house and any permanent structures on your property for:

- Fire

- Wind

- Hail

- Water damage (unless excluded by your policy)

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Personal Property


Coverage for damage to or theft of your stuff, like:

- Furniture

- Appliances

- Clothing

- Even dishes (in some cases)

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LLimited coverage, (usually $500 - $2,000), for jewelry stolen from your home. If your collection is worth more, let us help you with a jewelry policy to cover your valuables.

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Policy Service and Claims


Need to pay your bill, report a claim, make a change, or just get some info about your homeowners insurance policy?

Call us TODAY

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Coverage for Landlords Too


If you own a home and rent it to others, you need a specific type of homeowners insurance, known as a "dwelling fire" or landlord insurance policy.