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What is homeowners insurance?
Homeowners insurance is a vital form of property coverage that helps safeguard your home and belongings against damage, theft, or unexpected disasters. It also provides liability protection in case someone is injured on your property or you accidentally cause damage to others.
If you own your home, having dependable coverage means you're prepared for the unexpected—whether it's a natural event, a household accident, or a costly repair. With the right policy, you can protect your investment and enjoy true peace of mind.
Personalized Home Insurance Coverages
When it comes to protecting your home, you deserve coverage that fits your needs perfectly. Customizing your home insurance couldn’t be simpler with options designed to match your lifestyle and budget. Whether you’re looking for basic coverage or comprehensive protection, you can tailor your policy to include exactly what you need—and nothing you don’t. Add features like flood insurance, earthquake coverage, or protection for valuable items to enhance your peace of mind. With flexible options and straightforward tools, adjusting your home insurance is quick, easy, and stress-free. Get the coverage you want today, on your terms.
Liability
🛡️ What Liability Coverage Includes
- Bodily Injury Liability (BIL): Covers medical expenses, lost wages, and even pain and suffering for others injured on your property.
- Property Damage Liability (PDL): Pays for repairs or replacement of belongings or structures damaged due to your negligence.
- Legal Defense Costs: If you're sued, it can help cover attorney fees, court costs, and settlements up to your policy limits.
⚖️ Why It’s Required
It protects other people from the financial fallout of incidents on your property. It’s a way of ensuring that victims aren’t left footing the bill — and that homeowners take financial responsibility for their actions.
Comprehensive Coverage
Protects your home from the unexpected
Comprehensive coverage protects you from a wide range of unexpected events and damages to your home.
It offers financial protection against theft, vandalism, fire, windstorms, hail, and other covered perils.
This coverage isn’t mandated by law, but it provides peace of mind knowing you’re protected from life's unforeseen events.
Comprehensive Coverage: Protects against non-collision events such as theft, vandalism, fire, hail, hitting an animal, or other natural disasters. It helps pay for repairs or replacement.
Flood insurance
Protects you from flood damage
Flood insurance is a specific policy that protects your home from flood damage.
Services typically include coverage for your home and belongings in case of flood-related incidents.
Whether you're in a high-risk flood zone or not, it is a good idea to have flood insurance if you want to protect your home and belongings
Whether you're in your own home, you can get assistance if your home has been damaged due to flood-related events
Example: Your home gets flooded and you need to repair it. We'll provide financial assistance for repairs and replacements..
Earthquake coverage
Protects you from damages caused by earthquakes
Earthquake Coverage: This coverage helps pay for damage to your home if you're affected by an earthquake.
It offers peace of mind by covering repair expenses when an earthquake causes damages to your home.
Example: If your home is damaged from an earthquake, Earthquake Coverage can help pay for repairs—up to the limits of your policy.
This is where our journey to protect your home begins. Get to know our home insurance options and how we're committed to quality and great service. Join us as we help you live with security. We're glad you're here to be a part of our story.