My Home Insurance

Your home is arguably your most valuable investment. Keep it protected with the best insurance policies.

What is Homeowner’s Insurance?

Homeowner’s insurance covers a private residence. It is a package policy that covers damage and losses to your house and property, as well as your legal responsibility for any injuries or property damage sustained by others while at your residence.

Our home insurance partners offer a variety of coverage options, including:

• Dwelling coverage – for structural damage to your house, as well as coverage for other non-business structures on your property in case of fire, weather, water, and other damages excluding flooding.
• Personal property insurance – against fire, theft, and loss, with limitations regarding valuable items.
• Liability protection – in the event that someone makes a claim against you for injuries or damage sustained in your home or on your property.
• Coverage for loss of use and additional living expenses if the space was rented out, excluding utility fees.
• Additional coverages for money spent on reasonable repairs, damage to trees and shrubbery, collapse, debris removal, fire department changes, etc.

Keep your home and family safe

Home insurance is essential for protecting your family and helping you recover after disasters. Talk to us today about which coverage is right for you based on your home’s value and risk factors. Our agents can help you insure your home for the first time, or switch to one of our insurance carriers.

Mobile homes are susceptible to damages and incidents that houses aren’t. We can keep your mobile, manufactured, or modular home protected from the unexpected.

What is mobile home insurance?

Mobile home insurance is similar to standard home insurance, but the increased risk of severe weather damage, fire, and theft proven to affect mobile homes leads to a need for more unique insurance options.

Our carriers offer mobile home insurance options including:

• Trip collision coverage, which insures your home as it is transported from the factory to your location.
• Vendor’s single interest coverage, which protects against various types of fraud, including a lienholder’s right to repossess the manufactured home.
• Dwelling coverage for structural damage to your mobile home, as well as coverage for other, non-business structures on your property in case of fire, weather, water, and other damages excluding flooding.
• Personal property insurance against fire, theft, and loss, with limitations regarding valuable items.
• Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your mobile home or on your property.
• Coverage for loss of use and additional living expenses if the space was rented out, excluding utility fees.
• Additional coverages for money spent on reasonable repairs, damage to trees and shrubbery, collapse, debris removal, fire department changes, etc.

Protect your mobile home

Your mobile home is an important asset to you and your family, but its structure makes it more susceptible to loss and damages. Protect your investment by insuring your mobile, manufactured, or modular home today. Ask one of our agents how to get started.

Insuring your condo means affordable protection for your unit’s interior, your personal property, and yourself.

What is condominium insurance?

Condo insurance is specifically designed for those who live in a unit structure owned and insured by a separate association. These associations employ master insurance policies that usually cover only the external structure of the unit. With condo insurance, you can protect the interior along with all your valuables.

Our insurance partners offer these benefits when you insure your condo:

• Coverage for damage to personal property such as furniture, electronic equipment, and clothing.
• Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your condo.
• Coverage for interior walls and floor coverings.
• Coverage for improvements or upgrades you make to the condo that aren’t covered by the master insurance policy.

Keep your condo safe

The same way homeowner’s insurance protects you from liability and personal property damage in your home, condo insurance protects you in all the ways that most unit association’s insurance policies don’t. If you and your condo’s interior aren’t covered, talk to one of our agents today to get started on your policy.

When you rent, you put yourself and your property in unknown territory. Protect your assets from the unexpected with renters’ insurance.

What is renter’s insurance?

Renters’ insurance is like homeowner’s insurance, but you take it with you even if you move. It protects your personal property and provides most of the benefits of home insurance, including liability insurance. However, it does not protect the dwelling or structure of the home itself, which is the landlord’s responsibility to insure.

Our carriers can protect renters and their property against the following:

• Fire
• Theft
• Vandalism
• Liability if someone is hurt or accrues damage to personal property in your rental home
• Additional living expenses (if you have to live somewhere else while the home is repaired, for example)

Protect your personal property on the move

As a renter, you don’t have to worry about protecting the house or property; however, your personal items aren’t covered in the case of theft, natural disasters, or dangerous accidents that occur as a result of the landlord’s neglect. Talk to an agent about protecting your assets with a renter’s insurance policy.

Whether it’s one inch or six feet deep, floodwaters mean major damage for your home. Insuring your home against floods will give you peace of mind, even in the rainy seasons.

What is flood insurance?

Flood insurance protects the structure of your home, as well as your personal items that are ruined or damaged by flooding. Because homeowner’s insurance doesn’t cover flood damage, your home must be insured under a separate flood policy.

If you purchase flood insurance from our carriers, it can cover some or all of the following:

• Your home’s foundation
• A personal building’s foundation
• Electrical and plumbing systems
• Air conditioning equipment, furnaces, and heaters
• Appliances like washers, dryers, refrigerators, and stoves
• Personal possessions, such as electronic equipment, furniture, and clothing

Why doesn’t my homeowner’s insurance cover flooding?

Including flood coverage in comprehensive home insurance policies increases the premiums and deductibles, making it less likely for homeowners to buy and insurance carriers to sell the home insurance package. As a result, most homeowners insurance policies do not include flood damage in their list of coverages.

What about NFIP?

The most common insurer against flood damage is The National Flood Insurance Program by FEMA. However, you cannot purchase flood insurance directly from the NFIP without an insurance agent, or if you live in an area that is not qualified for NFIP coverage. Whether you go with NFIP or a private insurer, there will be a 30-day waiting period before your policy goes into effect, so don’t procrastinate!

Keep your home safe from floods

To protect your home from flooding, especially if you’re in an area susceptible to rising waters, you’ll need to purchase flood insurance. Not sure where to start? Ask one of our agents about the steps you should take to protect your home and belongings at an affordable rate.

The powerful and unpredictable nature of earthquakes can bring destruction to your home in the blink of an eye. Keep your assets protected in the face of disaster with earthquake insurance.

What is earthquake insurance?

Earthquake insurance protects your home and belongings from the damage that occurs when an earthquake hits. Like flooding, earthquake coverage is excluded from most comprehensive home insurance policies.

Who needs it?

Earthquake insurance usually comes with a fairly high deductible, so this insurance may not be on your radar unless your home resides in an area where earthquakes are likely. Still, all 50 states are susceptible to earthquakes, and damages caused by these natural disasters are not covered by your homeowner’s insurance. Adding earthquake insurance to your policy provides extra protection in case your home is damaged — or completely destroyed — by an earthquake. The rate for your deductible depends on your home’s location, its building materials, and the likelihood of an earthquake.

If you purchase earthquake insurance from one of our carriers, they will cover some or all of the following:

• All damage to your home
• Damage to other, non-business structures on your property
• Damages to personal property
• Increased costs to meet current building codes or stabilize land under your home
• Cost to remove debris
• Living expenses while your home is under repair

Extra protection for your home

Keep in mind that earthquake insurance won’t cover fire or flood damage, even if the fire or flood was caused by an earthquake. However, when earthquake insurance is added to your home and flood policies, there is no disaster that you aren’t protected against. If you’re interested in adding extra protection to your home and family in case of an earthquake, talk to one of our agents today about purchasing a policy.