Homeowners Insurance

Homeowner’s insurance offers financial protection for your home and personal property. It also provides liability protection should someone get injured on your property.

For example, homeowner’s insurance will help pay for the damages in the event that:

  • A tree falls on your roof during a thunderstorm.
  • One of your guests trips on the front porch step.
  • Someone throws a rock through your living room window.

What does homeowners insurance cover?

A typical homeowner's insurance policy includes the following coverage options:

Dwelling Coverage

Dwelling coverage protects your house and structures directly attached to it. Dwelling generally covers things like electrical wiring, plumbing, heating and air conditioning and larger structures such as foundations, walls and stairs.

Coverage for Other Structures

Most policies offer coverage for buildings located on your property that are not attached to your house. Examples of other structures included detached garages, carports and fences.

Personal Property Coverage

Personal property coverage helps protect your personal belongings such as appliances, furniture, clothing and computer equipment.

Liability Coverage

Liability coverage typically provides your for your legal defense in the event of a lawsuit. it also helps pay court judgements against you.

Medical Payments Coverage

Medical Payments coverage helps pay medical expenses should someone get injured on your property. It also covers injuries caused by a member of your family (including your pet) regardless of where the accident happens.

Coverage for Loss of Use

If you cannot live in your home due to a covered loss, Loss of Use coverage helps pay your temporary living expenses. For example, if you your house must be repaired after a kitchen fire, this coverage will help you pay for a hotel stay.

Our team is here to help you find the best protection possible.


This website is for general information only and does not amend, modify supplement or guarantee any insurance policy. Your eligibility for insurance coverage is subject to the determination of qualifications and acceptance by the insurance underwriting company.